CTP Claims
NSW CTP Claims, Explained in Plain English
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Every NSW vehicle registration includes CTP insurance, the green slip. If you were injured as a driver, passenger, rider, cyclist or pedestrian, it is usually where your compensation comes from. For accidents on or after 1 December 2017, claims fall under the Motor Accident Injuries Act 2017, with changes for accidents from 1 April 2023.
Most people claim statutory benefits first: weekly payments if you can't work, and reasonable and necessary treatment and care. Some people can also make a common law damages claim later. Whether you can depends on fault, on whether your injury is a threshold injury, and on the evidence.
If you are just starting, read what a CTP claim is and how to make one. If your claim is already running and something has gone wrong, go straight to claim denied.
This is general information about the NSW CTP scheme, not legal advice. CTP Lawyer is not a law firm. We point people to the help their claim needs: independent CTP lawyers when the case calls for it, and doctors and allied health for treatment. For the official rules, see SIRA, or call CTP Assist on 1300 656 919.
Starting a CTP claim
What a CTP claim is, how to lodge one, the forms involved and what happens after the insurer has your application.
What you can claim
Statutory benefits, the lump-sum damages claim, how compensation is worked out, and how fault changes the picture.
Deadlines, disputes and settlement
The time limits that matter, what to do when the insurer says no, how disputes are decided and how damages claims are resolved.
CTP Claim Time Limits in NSW: Every Deadline That Matters
Read the guide
CTP Claim Denied, Reduced or Cut Off? Your Options in NSW
Read the guide
Threshold Injury Disputes: Challenging a 'Minor Injury' Decision
Read the guide
The Personal Injury Commission: How NSW CTP Disputes Are Decided
Read the guide
CTP Settlements in NSW: How a Damages Claim Is Resolved
Read the guide
Check your situation
Short self-checkers that explain, in general terms, what may apply to you. No sign-up, no obligation.
- What help do I need?A lawyer, a doctor or allied health, or both? Find out in a few questions.
- What can I claim?See which statutory benefits may apply to your situation.
- Do I need a lawyer?See whether legal help is worth a conversation.
- Can I claim damages?Check whether the lump-sum claim may be open to you.
- Time limitsWork out which deadlines apply to your accident date.
- Claim denied?Your general next steps after an insurer says no.
Free claim check
Not sure where your claim stands?
Tell us what happened and we'll explain your options in plain English, then point you to the help your claim needs: an independent CTP lawyer if your case calls for one, or doctors and allied health for treatment. Free, with no obligation.