Can I claim if the accident was my fault?

Most injured people can claim statutory benefits whoever was at fault. If you were wholly or mostly at fault, your statutory benefits generally stop after 52 weeks. See if you were at fault.

Does CTP cover damage to my car?

No. CTP insurance covers injuries and deaths only. It doesn't pay to repair or replace vehicles or other property damaged in the crash.

Is this check a decision about my claim?

No. Only the insurer decides your claim. The check points you to a likely next step, and it's general information, not legal advice.

Quick check

Can I make a CTP claim?

Five quick questions about your accident show whether a NSW CTP claim may be open to you, and the next step to take. Anonymous, and general information only.

About a minute
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General information only

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Question 1 of 5About a minute

Where did the accident happen?

Would you rather skip the questions? Start your claim instead.

General information, not legal advice. Time limits apply. Get advice about your own situation.

Last checked: September 2026

Frequently asked questions

Different situation?

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Each one takes about a minute. Anonymous, and general information only.

Damage to the front of a car after a collision

Which CTP insurer do I claim against?

Three quick questions about fault, the number plate and insurance point you to the insurer your claim likely goes to, and how to confirm it. Anonymous, and general information only.

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Am I in time to make my CTP claim?

A few quick questions show which NSW CTP time limits may apply to you now. Add your accident date if you like, to see your 28-day and 3-month dates. Anonymous, and general information only.

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Two people going through a form together at a kitchen table, with a calculator and a laptop

What help do I need with my CTP claim?

Four quick questions about where your claim is up to, what you need and how you're going point you to the help that fits. Many claims never need a lawyer.

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Claim denied or cut back?

Four quick questions about the insurer's decision show your review time limit, where to get advice and when legal help makes sense. Anonymous, and general information only.

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Do I need a lawyer for my CTP claim?

Many NSW CTP claims never need a lawyer. Four quick questions about your claim, your injuries and fault show whether legal help is likely to matter for you, and what else can help.

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