Independent NSW CTP claim help
Help with your NSW CTP claim, every step of the way
Independent help with your NSW CTP claim. We're not the government, an insurer, a law firm or a medical practice.
Hurt in a motor accident in NSW? We'll help you understand the scheme, get your claim ready to lodge, and stay with you while the insurer decides. If your case needs a lawyer or a doctor who knows CTP claims, we can introduce you.
- Independent service
- Call-back usually within 1 business day
- By phone and online, across NSW
What we help with
- Understanding the NSW CTP scheme
- Getting your claim ready to lodge
- Helping get your claim to the insurer
- Staying with you while the insurer decides
Independent service · You choose what happens next
Where are you up to?
I've just had an accident
What to do in the first days and weeks, and the steps that protect your claim.
Next stepI'm ready to lodge
Tell us about the accident and we'll help you get your claim ready.
Next stepI've lodged and I'm waiting
What the insurer should do next, and roughly when.
Next stepThe insurer said no, or cut my benefits
How to ask for a review, and the time limit that applies.
Next stepSomeone has died
Support for families, and what can be claimed when you're ready.
Next step
Help at each stage of your claim
You don't need to know how the scheme works before you call. That's what we're here for.
- 01
Understand
We explain the NSW CTP scheme in plain English: what you can claim, who you claim against, and the time limits that apply to you.
- 02
Prepare
We help you get everything ready: the right insurer, a Certificate of Fitness from your doctor, the police event number and the claim form, with a checklist so nothing is missed.
- 03
Lodge
We go through the claim form with you and help get your claim to the insurer.
- 04
Stay with you
Got a letter from the insurer, or a date coming up? Call us and we'll go through it with you. A lawyer or doctor only if your case calls for one.
When you might need a lawyer or a doctor
Many claims never need either, beyond your own GP. Here's when extra help tends to matter.
Many claims never need a lawyer
Lodging a claim and statutory benefits are commonly managed without one. Legal help tends to matter when:
- The insurer denies your claim, or says you were mostly at fault
- Your injury is called a threshold injury and you disagree
- Your weekly payments or treatment are stopped or cut back
- You're thinking about a lump sum damages claim
- Someone died in the accident
- It's been more than 3 months since the accident
A doctor who knows CTP claims
You can keep seeing your own GP. You need a Certificate of Fitness from your treating doctor to lodge. A doctor experienced with CTP claims, or allied health, can help when:
- You don't have a regular GP to see
- You need a Certificate of Fitness to lodge, or to keep it current
- You need ongoing treatment, such as physiotherapy or psychology
The CTP insurer generally pays for treatment that is reasonable and necessary for your accident injuries. It decides what's approved, and its decisions can be reviewed.
We're not a law firm or a medical practice. If your case calls for it, we can introduce you to an independent CTP lawyer or a doctor experienced with CTP claims.
What help do I need?The dates that matter
Most time limits run from the date of the accident. Review time limits run from when you receive the insurer's decision. Acting early keeps your options open.
We can work out your dates with you on the call.
General information, not legal advice. Time limits apply. Get advice about your own situation.
- 28 days
To get weekly payments back-paid
To get weekly payments back-paid to the day after the accident, the insurer generally needs your claim within 28 days of the accident.
- 3 months
To make your claim
You can still claim up to 3 months after the accident, but weekly payments may only start from the date of your claim. Later claims are accepted only in limited circumstances.
- 28 days
To ask for a review
If you disagree with most insurer decisions, you can generally ask the insurer for an internal review within 28 days of receiving the decision.
- 3 years
For a damages claim
A common law damages claim must generally be made within 3 years of the accident.
What a CTP claim can cover
Most people hurt in a NSW motor accident can claim statutory benefits, whoever was at fault. Some can also claim a lump sum.
Treatment and care
Reasonable and necessary medical, dental, pharmaceutical and rehabilitation costs, travel to and from treatment, and paid help at home or personal care if you need it while you recover.
Treatment and careWeekly payments
If you can't work, or can't work as much: up to 95% of your pre-accident earnings for the first 13 weeks, then up to 80% or 85% from week 14, depending on your earning capacity. A maximum weekly amount applies. Self-employed people can claim too.
Weekly paymentsLump sum damages, for some
You may be able to claim common law damages if another driver was at fault and your injury is more than a threshold injury. Damages for pain and suffering need a whole person impairment of more than 10%.
Lump sum damagesAfter a death
Reasonable funeral expenses are covered regardless of fault. Close relatives who were financially dependent on the person may be able to claim compensation.
Help for families
If you were wholly or mostly at fault, or your injury is a threshold injury, statutory benefits generally stop after 52 weeks (for accidents from 1 April 2023). Children who were 16 or under at the time of the accident can get treatment and care for as long as they need it, regardless of fault. CTP covers injuries, not damage to vehicles.
Rules change. This page reflects the rules as we understand them in September 2026. General information, not legal advice.
What you can claimWhat you'll need to lodge
It helps to have these ready. A claim can still be lodged without everything: the insurer will ask for what's missing, and information can be added later.
A Certificate of Fitness from your doctor
The police event number (report the crash on 131 444)
Details of the crash and the vehicles involved, including number plates
Hospital or ambulance details, if you have them
Details of any earlier injury to the same part of your body
Proof of earnings, such as payslips, if you're claiming lost income
Lodging online needs a MyServiceNSW account. Bank and Medicare details go on the claim form only, never to us.
- Certificate of Fitness
- Police event number
- Finding your insurer
- The claim form
- Lodging online
- Weekly payments
- Treatment and care
- Threshold injury
- Internal reviews
- Personal Injury Commission
- Hit-and-run claims
- Help for families
Find your next step in a minute
Quick, anonymous questions that point you to a likely next step. General information only, never a decision about your claim.
Can I claim?
Five quick questions about your accident and whether a NSW CTP claim may be open to you.
Start the checkWhich insurer?
Work out which CTP insurer your claim likely goes to, and how to confirm it.
Start the checkAm I in time?
See which time limits may apply to you now.
Start the checkWhat help do I need?
Lodging help, a doctor, allied health or a lawyer? Find the help your claim needs.
Start the check
About 4 minutes
Tell us what happened. We'll help you get your claim ready.
Answer a few questions online and we'll call you back, usually within 1 business day.
Guides people read first
How to make a CTP claim
The six steps to lodging a NSW CTP claim, start to finish.
Read the guide
The claim form, explained
The Application for Personal Injury Benefits, section by section.
Read the guide
Find your CTP insurer
Which insurer your claim goes to, and how to check.
Read the guide
CTP claim time limits
Work out your dates: 28 days, 3 months and the rest.
Read the guide
What you can claim
Treatment and care, weekly payments and, for some, a lump sum.
Read the guide
Insurer decisions and reviews
What to do this week if the insurer says no or cuts your benefits.
Read the guideCommon questions
Short, general answers. For your own situation, call us or start your claim.
Start your claim
Start your claim in about 4 minutes
Independent help with your NSW CTP claim. We're not the government, an insurer, a law firm or a medical practice.
- Independent service
- By phone and online, across NSW
- Nothing shared without your consent
- The right help, your choice
Prefer we call you?
Just your first name and number. We usually call back within 1 business day.