NSW CTP claims · Free claim check
Hurt in a car accident in NSW? Get your CTP claim checked for free.
We point you to the help your claim actually needs — an independent CTP lawyer when your case calls for one, and doctors and allied health for treatment.
Claim denied, benefits cut off, an offer on the table, or just not sure what you're entitled to? Tell us what happened. We'll explain where things stand in plain English — and tell you honestly if you don't need a lawyer. Many claims don't.
- Free
- No obligation
- The right help for your claim
What the claim check covers
- A plain-English look at where your CTP claim is up to
- The time limits that may apply to you, and which are close
- Whether your case calls for a lawyer — many claims don't
- A referral to an independent CTP lawyer, a doctor or allied health, if you need one
You decide what happens next
Free · No obligation · NSW motor accidents
- Free, no-obligation claim check
- Independent CTP lawyers, when your case needs one
- Doctors and allied health experienced with CTP claims
- By phone and online across NSW
Who this is for
Anyone injured in a motor vehicle accident in NSW — including people who were driving for work and people who were partly at fault.
Legal help, medical help — or both. It depends on your case.
CTP claims run on medical evidence. Some also need a lawyer — many don't. The free claim check works out what yours needs.
Legal help
Legal help — when your case needs it
An independent specialist CTP lawyer. Many claims never need one, and we'll tell you if yours doesn't. These are the situations where specialist advice tends to count.
Usually worth it when
- Your claim was denied, or benefits were cut off
- Your injury was called a threshold (formerly “minor”) injury
- Fault is disputed, or the insurer has made an offer
- You may have a damages claim or a serious injury, or someone died in the accident
Doctors & allied health
Doctors & allied health — for treatment and the medical evidence your claim runs on
A doctor experienced with CTP claims, and allied health such as physiotherapy, psychology and exercise physiology.
Usually the right step when
- You need a doctor who understands CTP claims and the Certificate of Fitness
- You need treatment — physio, psychology, exercise physiology and similar
- Your claim needs clear medical evidence of your injuries and how they affect your work and life
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.
Not sure which you need? That's what the claim check is for. We'll tell you if a provider we refer you to is connected with us, and you're always free to choose your own.
Free claim checkWhere is your claim up to?
Pick the one that sounds most like you.
I've just had an accident
What to do in the first few weeks — getting medical care, and the early time limit that affects your weekly payments.
Find out more
My claim has been denied
A refusal isn't always the end. Find out how internal review and disputes work, and the deadlines involved.
Find out more
The insurer has made an offer
Before you accept anything, understand what a settlement covers and what you'd be giving up.
Find out more
Do I need a lawyer?
Answer a few quick questions and see whether a lawyer is likely to help in your situation.
Find out moreTwo parts to a CTP claim
Most NSW claims start with statutory benefits. Some people can also claim damages. They follow different rules.
Part one
Statutory benefits
Paid by the CTP insurer while you recover — often regardless of who was at fault, at least for a period.
- Reasonable and necessary treatment and care costs
- Weekly payments if you can't work, or can't work as much
- Generally limited to the first 52 weeks (for accidents from 1 April 2023) if you were mostly at fault or have a threshold (formerly “minor”) injury
Part two
Common law damages
A separate lump-sum claim. It's generally open if another driver was at fault, you weren't mostly at fault, and your injury is more than a threshold injury.
- Past and future loss of earnings
- Non-economic loss (pain and suffering) — only if your whole person impairment is more than 10%
- The part of a claim where people most often bring in a specialist lawyer
This is general information, not legal advice. What applies to you depends on your injury, how the accident happened and when it happened — the rules changed for accidents from 1 April 2023.
When a CTP lawyer usually matters
Many claims never need one — a straightforward claim that's being paid on time usually doesn't. These are the moments where specialist legal help tends to count.
Your claim was denied
The insurer refused liability or said you're not entitled. Decisions can be reviewed — but time limits apply.
Read moreYour injury was called a “threshold injury”
A threshold (formerly “minor”) injury affects how long benefits last and whether you can claim damages. It's often disputed.
Read moreBenefits were cut off
Weekly payments stopped, treatment wasn't approved, or your earnings were calculated too low.
Read moreThe insurer made an offer
Settlements are usually final. It pays to understand what the offer covers before you sign.
Read moreYou want to claim damages
Damages claims involve evidence, impairment assessments and negotiation. This is where people most often use a lawyer.
Read moreYour injuries are serious
Long-term injuries, surgery, or not being able to go back to your old job. The stakes are higher.
Read moreSomeone died in the accident
Family members may be able to claim. A specialist can explain who is eligible and what's involved.
Read moreNot sure which applies?
Get a free claim check and we'll talk it through with you. If what you need is treatment rather than a lawyer, we'll say so.
Help to understand your claim — and the right help when you need it.
After a crash, the CTP scheme can feel like a maze. Forms, deadlines, insurer letters, words like “threshold injury” and “whole person impairment” — it's a lot when you're hurt.
CTP Lawyer is a free NSW service. We look at where your claim is up to, explain it in plain English, and point you to the help your case actually needs — an independent specialist motor accident lawyer when it calls for one, or a doctor or allied health provider experienced with CTP claims for treatment and the medical evidence your claim runs on.
What we are — and aren't
We're not a law firm
We don't act for you or represent you. The independent lawyer you choose does that.
We don't give legal or medical advice
We give general information about the NSW CTP scheme. Advice on your claim comes from a lawyer; advice on your health comes from your doctor.
You're never locked in
The claim check is free, with no obligation. We'll tell you if a provider we refer you to is connected with us, and you can choose any lawyer, doctor or provider — or none at all.
- CTP claims
- Claim denied
- Statutory benefits
- Treatment & care
- Weekly payments
- Certificate of Fitness
- Threshold injury disputes
- Common law damages
- Physio & psychology
- Insurer offers
- Whole person impairment
- Personal Injury Commission
- Fatal accident claims
How it works
Three simple steps. You stay in control the whole way.
- 01
Free claim check
Tell us what happened and where your claim is up to. It takes a few minutes online, or call us.
- 02
We call and work out what you need
We talk it through in plain English — the time limits, what's in dispute, and what kind of help your case actually needs. Often that isn't a lawyer.
- 03
We refer you to the right help
An independent specialist CTP lawyer, a doctor experienced with CTP claims, or an allied health provider such as a physio or psychologist. You choose whether to go ahead.
Talk it through
Not sure where your claim stands? Talk to us first.
A free, no-obligation claim check by phone or online, anywhere in NSW. If you don't need a lawyer, we'll say so — and if treatment is what you need, we'll point you to a doctor or allied health provider.
Key CTP time limits in NSW
The NSW scheme has deadlines at several points. Missing one doesn't always end a claim, but it can cost you benefits or options. This is general information, not legal advice — time limits apply, so 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 claim statutory benefits
You can generally 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 an internal review
If you disagree with most insurer decisions, you can generally ask for an internal review within 28 days of receiving the decision — then go to the Personal Injury Commission.
- 3 years
For a damages claim
A common law damages claim must generally be made within 3 years of the accident. Lodge within 2 years if you want weekly payments to continue beyond 2 years.
Check your situation in about a minute
Quick, anonymous questions that point you to the right next step. General information only.
What help do I need?
Lawyer, doctor or allied health? A general pointer to the help your claim needs.
Start the checkCan I claim damages?
Fault, injury type and impairment — check the basics.
Start the checkAm I still in time?
Check which CTP time limits may apply to you.
Start the checkWhat might I be entitled to?
The kinds of benefits the scheme provides, in general terms.
Start the checkMy claim was denied
Work out your options after a refusal or cut-off.
Start the checkI was at fault
What at-fault drivers may still be able to claim.
Start the checkI was driving for work
CTP, workers compensation, or both? Check where you stand.
Start the checkAll self-checkers
See every checker in one place and pick the one that fits.
Legal help after a NSW motor accident
Whether you searched for a CTP lawyer, a compensation lawyer or a personal injury lawyer: plain-English guides to motor accident claims, and when to get a lawyer involved.
CTP claim lawyer
When and why people bring in a specialist for a NSW CTP claim — and what to ask first.
Learn moreCompensation lawyer
Looking for a compensation lawyer after a motor accident? Which claim you may have, and when a lawyer helps.
Learn morePersonal injury lawyer
Injured on the road? What counts as a personal injury, the evidence to keep, and choosing a lawyer.
Learn moreCar accident lawyer
Hurt as a driver in a crash that wasn't your fault? How compensation claims generally work.
Learn moreCTP dispute lawyer
Denied claims, threshold injury disputes and cut-off benefits — reviews and the Personal Injury Commission.
Learn moreFatal accident compensation
Support for families after a fatal motor accident — who may claim and how it works.
Learn moreHelping people right across NSW
We help people by phone and online, wherever the accident happened in NSW.
Understand your options
Do I need a lawyer for my CTP claim?
When a lawyer usually helps, when you can manage on your own, and how to tell the difference.
No win, no fee explained
What it generally means, what it doesn't cover, and the questions to ask before you sign.
How much compensation for a car accident?
What NSW CTP compensation is made up of, and the factors that change it.
Choosing a CTP lawyer
Experience, costs, communication — a practical checklist for choosing well.
Common questions about CTP claims, lawyers and getting help
Short, general answers. For your own situation, a free claim check is the quickest way to get clear.
Get your CTP claim checked — free, with no obligation.
Tell us what happened and where your claim is up to. We'll talk it through and point you to the help your case needs — an independent specialist CTP lawyer if it calls for one, or a doctor or allied health provider for treatment. You decide what happens next.
CTP Lawyer is not a law firm and does not give legal or medical advice. Information on this site is general information about the NSW CTP scheme.
Ask us to call you
No claim number or paperwork needed — just your name and number.