How long do I have to ask for a review?

You can generally ask the insurer for an internal review within 28 days of receiving its decision. See insurer decisions and reviews.

Do I have to pay a lawyer for help with an internal review?

No legal costs are payable for legal help with an insurer internal review.

What's the difference between a review and a complaint?

A review is for a decision you disagree with: ask the insurer first, then the Personal Injury Commission. A complaint is about how the insurer is treating you: complain to the insurer first, then the Independent Review Office (IRO).

Quick check

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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What has the insurer decided?

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.

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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.

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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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A bearded man on a phone call indoors, looking down as he listens

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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A man in a jacket reading through a sheaf of papers on a sofa

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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