Hurt in a car accident while working?

The short answer

If your motor accident is also a work injury, for example you were driving for work, you generally need to claim workers compensation through your employer's insurer first. CTP statutory benefits are generally not payable where workers compensation is available.

You may still be able to claim common law damages against the at-fault driver's CTP insurer, so get legal advice.

Commuting

Journeys to and from work are covered by workers compensation only in limited circumstances, generally where there's a real and substantial connection between your job and the accident. Whether a commuting crash is a workers compensation claim, a CTP claim or both depends on the facts.

Two schemes, two sets of paperwork

Workers compensation uses a certificate of capacity from your treating doctor. A CTP claim uses a Certificate of Fitness.

If you have both claims, you may have to repay workers compensation from a CTP settlement. Get advice before settling either claim.

Where we fit

If you were hurt at work (including driving for work), it's usually a workers compensation claim, which is a different scheme. We can point you to the right help.

If another driver was at fault, we can help with the CTP side and, if you want one, introduce you to an independent CTP lawyer.