A dented bumper and a sore neck are two separate claims with two different insurers. People often sort the car first and forget the injury, then find the deadlines have been running. If you were in a crash in or near Dural, our free check helps you keep the two apart and start the injury side on time. It's free, by phone or online, with no obligation.
The Hills · Car accident claims
Car accident claim in Dural: which kind do you have?
A small crash can still be an injury claim. The kind of claim decides who you deal with.
Postcode: 2158
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Dural & Kenthurst
Which claim do you have?
An injury, a damaged car and a missing driver are three different problems. The cards below show where each one generally goes. If more than one fits, you may have more than one claim running at once.
- You were injured
An injury goes to a CTP insurer
If anyone in the crash was hurt, even slightly, there is an injury claim to consider. It runs through a CTP insurer, separately from any damage to the cars, with its own forms and deadlines.
CTP claims in Dural - Your car was damaged
Car and property damage is a separate claim
A damaged car, bike or fence is a property claim. It generally goes to your own insurer or the other driver's property insurer, not to CTP, and we don't handle it. Keep it apart from any injury claim.
What CTP does and doesn't cover - Hit-and-run or uninsured
A driver who fled or had no Green Slip
A missing or uninsured vehicle doesn't end an injury claim. The Nominal Defendant stands in for the missing insurer. You'll need to show you tried to identify the vehicle, starting with a prompt police report.
Uninsured or unidentified vehicles - Driving for work
Driving for work usually brings another scheme first
A crash while working is usually a work injury as well as a motor accident. Workers compensation generally comes first. You may still be able to claim damages from the at-fault driver's CTP insurer, which is worth checking before you settle anything.
Crash while working? Quick check - Someone died
When someone died in the crash
The family of someone who died in a NSW crash may be able to claim funeral expenses and, for dependants, the financial support they lost. Support is available through CTP Assist whenever you're ready to talk.
After a fatal crash
General information, not legal advice. Some crashes involve more than one claim. Time limits apply.
A car accident claim from Dural: local context
The M2, the M7 and Windsor Road carry fast commuter traffic, and crashes there can involve drivers from across Sydney. Swap names, addresses and registration numbers, and note the exact exit or cross street. Near the Round Corner shops or anywhere else, a crash in a car park or private driveway can still lead to an injury claim through CTP. Where exactly it happened matters, so write it down while you remember. Whether it was on Old Northern Road or a quiet street, the same claim rules apply: injuries go to a CTP insurer, and damage to cars goes through property insurance. Record the location precisely either way.
Hospitals serving the area include Hornsby Ku-ring-gai Hospital. If pain started after you got home, see a GP and mention the crash. That first record is the starting point of any injury claim.
- Region
- The Hills
- Postcode
- 2158
- Local landmarks
- Round Corner shops · Galston Gorge
- Main roads
- Old Northern Road · New Line Road
- Nearest public hospital
- Hornsby Ku-ring-gai Hospital
Free claim check
Not sure what claim you have? Ask us
We'll check the injury side of your crash, flag any deadlines, and point you to a lawyer or doctor only if your claim needs one.
An injury claim and a damage claim are different claims
Start by separating what was hurt from what was broken. Injuries to you or anyone else in the crash belong to an injury claim with a CTP insurer. Damage to your car, your phone or a fence belongs to a property claim with your own insurer or the other driver's. Most confusion in the first weeks comes from mixing the two up.
Read next:Which help do I need? Quick check
Who pays for the car, and why it isn't CTP
CTP insurance covers injuries to people. It doesn't pay for repairs, write-offs, towing or hire cars. Those costs usually go through your own comprehensive policy, or a claim against the at-fault driver's property insurer. If the at-fault driver has no property insurance, you may have to pursue them directly. This isn't something we help with, but it's worth knowing where it sits.
If you don't have comprehensive insurance and the other driver was at fault, their property insurer is usually the first place to ask about repairs. Where the other driver has no property cover at all, the options are narrower and may involve dealing with them directly. None of this changes your right to make an injury claim through CTP.
What to collect before the details fade
You don't need everything worked out in the first week, but some things are much easier to collect then than later. Photos, the other vehicle's registration, the names of witnesses and a written note of what happened all help. So does an early visit to a GP, even if you feel mostly fine, because it creates a record that ties any injury to the crash.
- Any police event number you were given
- Names and phone numbers of any witnesses
- Hospital or GP paperwork from the first visit
- Receipts for medication, fares and parking at treatment
Read next:Checklist for the first 30 days
When the other vehicle drove off or wasn't insured
A vehicle that can't be identified, or one with no CTP insurance, doesn't leave you without someone to claim against. The Nominal Defendant, a NSW Government-backed fund, stands in for the missing insurer. The injury claim then works in much the same way as any other, and the usual time limits apply from the date of the crash.
- Write down whatever part of the plate you saw
- Ask nearby businesses and homes about camera footage
- Keep a dated list of every step you take to trace it
Read next:Uninsured or unidentified vehicles
Small crashes and symptoms that show up later
People often decide not to claim because they 'only' had a small crash, then find weeks later that the injury isn't settling. By then the deadlines have been running since the day of the crash. If you were sore after a collision, it's sensible to see a GP, keep the record and at least find out what claim you have, even if you never end up needing it.
Deadlines run from the crash
Even if you're not sure the injury is serious, check your deadlines early. They start on the day of the crash, not when you first notice symptoms.
Read next:The 28-day rule for CTP claims
When the other driver won't give their details
For an injury claim, the insurer will usually ask for a police event number, which shows the crash was reported. Police don't attend every crash, but you can generally report one yourself afterwards. Do it promptly, especially if someone was hurt, the other driver left without swapping details, or you suspect they'd been drinking. Keep the number with your claim papers.
If a driver refuses to swap details, don't argue. Note the plate and a description of the car and the driver, and ask anyone nearby whether they saw it. Report the refusal to police with those details. A vehicle's CTP insurer can usually be found from its registration later, provided someone wrote it down.
Read next:CTP claim forms
Let us sort out the kind of claim with you
If you've read this far and still aren't sure which claim you have, that's normal. Our free claim check starts with what happened and works out which claim, or claims, the facts support. We'll tell you plainly if something isn't a CTP matter, such as car repairs. If it is, we'll point you to the next step, which is often simply lodging the injury claim yourself.
A car accident claim without a lawyer: when it works
Whether you need a lawyer depends on the kind of claim you have and how smoothly it's going. A straightforward injury claim against an identified, insured vehicle often doesn't need one. The points below show when advice is commonly worth it.
Often worth talking to a lawyer
- The other driver disputes that the crash happened the way you say
- You're past 3 months from the crash and haven't claimed yet
- A property insurer wants a signed release that may mention injuries
- The vehicle drove off and you're unsure what 'due inquiry and search' needs
You may not need one
- You just need to know which form to fill in
- Treatment and a clear medical record are what you need most right now
- Your symptoms are settling and you're back to your usual routine
Whatever kind of claim you have, the injury side rests on medical records. We can point you to doctors and allied health who work with CTP claims and can complete the Certificate of Fitness the insurer asks for.
Not quite your situation?
- If you already know it's a CTP injury claim and just want the steps and deadlines, the CTP claims page walks you through them. CTP claims in Dural
- If the real argument is about who caused the crash, the car accident lawyer page explains how fault is decided. Car accident lawyer in Dural
- Once you know the kind of claim you have, the car accident compensation page explains what you may receive and when. Car accident compensation in Dural
Frequently asked questions
The injury claim form usually asks for one, and it helps show the crash happened when and how you say. If police attended, they'll give you the number. If they didn't, you can generally report the crash yourself afterwards and get one then. Not having an event number doesn't necessarily stop a claim, but it can make the insurer more cautious, so it's worth getting.
Write down or photograph the number plate, and note the make, colour and a description of the driver. Then report it to police, including that details weren't exchanged. A vehicle's CTP insurer can usually be found from its registration, so your injury claim can still go ahead. If you didn't get the plate, the Nominal Defendant may be the path instead, and your police report becomes even more important.
Often it can be, although it depends on the details. Many car parks open to the public fall within the CTP scheme when a vehicle is being driven and someone is hurt. A private driveway or a closed-off area can raise harder questions. Note the exact level, bay or entry, photograph the scene and ask the centre to keep any camera footage. Then have your situation checked before assuming you can't claim.
For the car, a private arrangement can sometimes work, but get it in writing. For injuries, be cautious. A cash payment from the driver doesn't replace an injury claim through CTP, and accepting one could complicate things if your injuries turn out to be worse than they seemed. Take their full details and registration anyway, report the crash if anyone was hurt, and keep your injury claim options open.
Yes, but they are two separate claims that run side by side. The injury claim goes to a CTP insurer, and the car goes to your own or the other driver's property insurer. One doesn't wait for the other, and settling the car doesn't settle your injuries. Keep separate folders, and don't sign any release for the car that also mentions injuries without getting advice.
Not necessarily. Police don't attend every crash, particularly where no one needs an ambulance and the road is clear. You can still report it yourself, and you should keep the event number you're given. A police report made close to the time is an independent record of the crash, which helps if the other driver later changes their story or the insurer questions what happened.
Car accident claim: suburbs near Dural
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CTP Lawyer is not a law firm. This page is general information, not legal advice; the independent lawyer you speak with can advise on your own situation.