Most people have never made a claim after a crash and don't know where to begin. For people in Mount Kuring-gai, we start with the basics: were you hurt, was a vehicle damaged, and can the other vehicle be identified? The answers decide who you deal with. Many injury claims run smoothly without a lawyer. When yours needs one, we'll connect you with an independent lawyer.
Upper North Shore & Hornsby · Car accident claims
Traffic accident claims for people in Mount Kuring-gai
CTP covers people, not cars. Knowing which claim is which saves time in the first weeks.
Postcode: 2080
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Mount Kuring-gai & Mount Colah
Local roads, car parks and claims near Mount Kuring-gai
Pennant Hills Road and the Pacific Highway carry heavy traffic, and a crash there may involve a driver heading north on the M1. Get their registration before they leave, since the injury claim follows the vehicle. Around Ku-ring-gai Chase National Park, many crashes happen at low speed in car parks, drop-off zones and side streets. A slow bump can still hurt someone, and the kind of claim depends on who was hurt and what was damaged. Mount Kuring-gai sits roughly 25 km from the Sydney CBD, and you don't need to go anywhere to sort out your claim type. The claim check is by phone and online, and injury claims can be lodged online too.
- Region
- Upper North Shore & Hornsby
- Postcode
- 2080
- Local landmarks
- Ku-ring-gai Chase National Park
- Main roads
- Pacific Highway · Harwood Avenue
- Distance to Hornsby
- ~7 km
What kind of claim does a crash near Mount Kuring-gai give you?
Most car accident claims fall into a few types. There's the injury claim, made to a CTP insurer. There's the damage claim, made through property insurance. And there are the harder cases: a vehicle that drove off, a vehicle with no insurance, or a crash while you were working. Each goes somewhere different, which is why sorting yours out comes first.
Read next:What can I claim? Quick check
Repairs, write-offs and hire cars
Your car and your injuries run on separate tracks. The car side goes to a property insurer, usually your own if you have comprehensive cover, or the other driver's if they were at fault and insured. The injury side goes to a CTP insurer. An offer about the car says nothing about your injuries, so don't treat it as the end of the matter.
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.
Sort your crash into the right claim
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
Injuries from a crash in NSW are generally claimed through CTP insurance, whoever caused the crash. The claim usually goes to the insurer of the vehicle at fault. Lodging early matters, so aim to lodge within 28 days if you can.
CTP claims in Mount Kuring-gai - 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
If the vehicle drove off and can't be identified, or had no CTP insurance, you can claim against the Nominal Defendant, a NSW Government-backed fund. Report the crash to police promptly and make due inquiry and search for the vehicle.
Uninsured or unidentified vehicles - Driving for work
Driving for work usually brings another scheme first
If you were driving for work, you generally need to claim workers compensation through your employer's insurer first, and CTP benefits are generally not paid on top. A CTP damages claim against an at-fault driver may still be possible, so get advice.
Crash while working? Quick check - Someone died
When someone died in the crash
If someone died, CTP generally covers reasonable funeral expenses regardless of fault. Close relatives who depended on them may also be able to claim. CTP Assist on 1300 656 919 can put you in touch with support.
After a fatal crash
General information, not legal advice. Some crashes involve more than one claim. Time limits apply.
Do you need a lawyer for a car accident claim?
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 vehicle turned out to be unregistered or uninsured
- You were driving for work and aren't sure which claim comes first
- The insurer doubts that a small crash caused your injuries
- Someone died in the crash and the family needs guidance
You may not need one
- Your symptoms are settling and you're back to your usual routine
- You only want general information about how CTP works
- The other vehicle is identified and insured, and your claim is lodged
Damage to your car is a separate matter from any injury. Repairs go through property insurance, while injuries go to a CTP insurer, so keep the two claims apart from the start. CTP forms
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 Mount Kuring-gai
- If you're being blamed by the other driver or their insurer, fault is covered in detail on the car accident lawyer page. Car accident lawyer in Mount Kuring-gai
- 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 Mount Kuring-gai
Free claim check
Free car accident claim check
Wherever in NSW the crash happened, the check is by phone or online. It's free, and any next step is your call.
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.
- Report it to police promptly and keep the event number
- Write down whatever part of the plate you saw
- Ask nearby businesses and homes about camera footage
Read next:Uninsured or unidentified vehicles
The first days after a crash: what to gather
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 moving early on the claim itself, because the time limits run from the day of the crash, not from when you decide to claim.
- Photos of both vehicles, the scene and any injuries
- Any police event number you were given
- A note of any time off work and lost pay
- Receipts for anything you've paid out since the crash
Read next:Checklist for the first 30 days
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 keep a note of how you've been and the dates, 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
Reporting the crash and swapping 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.
A driver who won't cooperate at the scene doesn't stop your claim. What matters is the vehicle, not the driver's attitude. A number plate lets the vehicle's CTP insurer be identified. Without one, the claim may need to go to the Nominal Defendant instead, which is why a prompt police report and a record of what you saw matter so much.
Read next:CTP claim forms
Why a claim check comes before the paperwork
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.
Frequently asked questions
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.
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.
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.
Generally, yes. If the vehicle had no CTP insurance, your injury claim goes to the Nominal Defendant, a NSW Government-backed fund that stands in for the missing insurer. The claim runs much like any other. Give the Nominal Defendant everything you know about the vehicle and driver, and report the crash to police promptly if you haven't already. Damage to your car is a separate matter and may have to be pursued against the driver.
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 the CTP insurer, which covers injuries only. Repairs usually go through your own comprehensive insurance, or a claim against the at-fault driver's property insurer if they have one. If they don't, you may need to pursue the driver directly, which can be slower. We don't help with property claims, but keep the repair paperwork anyway, because photos and quotes can help show how hard the impact was.
Car accident claim: suburbs near Mount Kuring-gai
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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.