CTP Lawyers

Specialists in CTP Compensation Claims Operating Across New South Wales

If you’ve been involved in a motor vehicle accident in New South Wales, navigating the CTP claim process can feel overwhelming. Our experienced CTP lawyers at Burke Mead Lawyers specialise in helping clients secure maximum compensation for injuries and losses.

Whether you were a driver, passenger, motorcyclist, cyclist, or pedestrian injured in a road accident, our personal injury lawyers have the knowledge and experience to help you secure the best possible outcome for your CTP compensation claim.

The Benefits of Working with Lawyers Experienced in Personal Injury Claims

You may be eligible to make a CTP claim if you were injured in a motor vehicle accident in NSW, whether as a driver, passenger, pedestrian, or cyclist. Special provisions exist for children, vulnerable road users, and those involved in accidents with unidentified or uninsured vehicles (through the Nominal Defendant).

Navigating the CTP insurance scheme and dealing with insurance companies after a devastating car accident can be complex and stressful. That’s why working with expert CTP lawyers who specialise in personal injury law makes such a difference.

With decades of combined experience, our team provides personalised support and clear guidance every step of the way. Led by Emma Mead, the Managing Director of Burke Mead Lawyers and an Accredited Specialist in Personal Injury Law, our team operates across Newcastle, the Hunter region, the Central Coast, Sydney and regional NSW.

What is CTP Insurance and How Does It Work?

Compulsory third-party (CTP) insurance, commonly known as a Green Slip, is mandatory insurance that all vehicle owners in New South Wales must have. CTP insurance provides coverage for personal injury claims when someone is injured or killed in a motor vehicle accident.

The NSW CTP scheme is regulated by the State Insurance Regulatory Authority (SIRA) and operates under the Motor Accident Injuries Act 2017. The licensed CTP insurers in NSW are NRMA Insurance, QBE, GIO, Allianz, AAMI, and YOUI.

If you’ve been injured in a motor accident, you can make a CTP claim to receive compensation for your injuries sustained, regardless of who was at fault. However, the type and amount of compensation you receive depend on factors including fault and the severity of your injuries.

What Compensation Can You Claim Through a CTP Claim?

The NSW CTP scheme provides two main types of compensation: statutory benefits and common law damages (lump sum payments).

Statutory Benefits

Statutory benefits are available to anyone injured in a motor vehicle accident in NSW, regardless of fault. These personal injury benefits include:

• Weekly payments for lost income – If you’re unable to work due to your motor accident injuries, you can receive income support payments to replace your lost wages. These weekly payments help provide financial support while you recover.
• Medical treatment and care – Your CTP insurer covers reasonable and necessary medical expenses, including hospital treatment, GP visits, physiotherapy, rehabilitation, medication, and other medical costs related to your injuries.
• Commercial care – If you require assistance with daily activities due to your injuries, you may be entitled to paid care services.

The duration of statutory benefits depends on your circumstances:

• If you have threshold injuries (soft tissue or minor psychological injuries) or were mostly at fault, statutory benefits are available for up to 52 weeks
• If your injuries are above threshold and you were not mostly at fault, benefits can continue for up to five years (treatment and care can extend beyond this through the CTP Care scheme)

Common Law Damages (Lump Sum Payments)

If you have non-threshold injuries and another driver was at fault for the accident, you may be entitled to claim compensation through common law damages. This can include:

• Past economic loss – Compensation for lost income between the accident and settlement, including the difference between what you earned before the accident and any reduced earnings or statutory benefits received
• Future economic loss – If your injuries affect your ability to earn income in the future, you can claim for future lost income and loss of earning capacity
• Non-economic loss (pain and suffering) – If your permanent impairment is assessed at greater than 10% whole person impairment, you may receive an additional lump sum payment for pain, suffering, and loss of enjoyment of life

A lump sum payment provides crucial financial support for those with serious injuries, covering future economic loss, ongoing care needs, and compensation for the impact the accident has had on their lives.

CTP Claim and Compensation FAQs

How do I lodge a CTP Claim?

Understanding the CTP claim process helps you know what to expect and ensures you meet important deadlines. Our CTP lawyers guide you through each stage:

After the accident happened, report the incident to NSW Police and obtain an event number. Gather as much information as possible, including details of all vehicles involved, contact information for witnesses, and photographs of the accident scene if safe to do so.

Visit your doctor or hospital as soon as possible after the car accident. Proper medical evidence documenting your injuries is essential for your CTP claim. Your treating doctor will provide a Certificate of Fitness, which is required when lodging your claim.

To make a CTP claim, you need to lodge your claim with the CTP insurer of the at fault driver’s vehicle. If you don’t know the insurer, SIRA’s CTP Connect tool can help identify the relevant insurance company, or you can contact CTP Assist on 1300 656 919.

Complete the accident claim form (Application for Personal Injury Benefits) and submit it to the CTP insurer. This is a critical step with strict time limits.

The CTP insurer has four weeks to accept or deny your claim and must make a liability decision within three months. This decision determines fault and whether your injuries are classified as threshold or non-threshold injuries.

If your claim is accepted, you’ll start receiving statutory benefits within 14 days. If you’re eligible for a lump sum payment, our compensation lawyers will negotiate with the insurer to secure maximum compensation for your injury claims.

Our Personal Injury Lawyers

Public Notary Specialist Accredited in Personal Injury Law