“How much will I get?” is the question everyone asks, and the true answer is that it depends. It depends on whether your injury is more than a threshold injury, whether someone else was at fault, what you earned before and your whole person impairment. For people in North Curl Curl, our free claim check sorts out which of these apply before you commit to anything.
Northern Beaches · Car accident compensation
Car accident compensation after a crash near North Curl Curl
A free check by phone or online. If damages may be open to you, we'll connect you with an independent lawyer.
Postcode: 2099
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in North Curl Curl & Wingala
How NSW CTP compensation is structured
The first question isn't “how much?” but “which kind?”. If your injury is a threshold injury, or you were mostly at fault, compensation is generally limited to statutory benefits for up to 52 weeks. If neither applies and someone else caused the crash, a damages claim may sit on top of your benefits.
Read next:Statutory benefits vs damages
Timing, settlement and offers
Unless your whole person impairment is assessed as more than 10%, a damages claim generally can't be made until 20 months after the accident. It generally can't be settled within 2 years of the accident unless impairment is more than 10%. And the claim must generally be made within 3 years of the accident, with only limited room for a late claim that comes with a full and satisfactory explanation.
Before you accept an offer
Settlement offers are worth a second opinion. The lawyer you speak with can check what the offer covers and whether the timing suits your recovery.
Compensation for people in North Curl Curl
With no rail line, many working days here start on Pittwater Road, the Wakehurst Parkway or the B-Line. If an injury has cut your hours, weekly payments are based on your pre-accident earnings, not on how far you travel. Council boundaries don't change what you can claim. Compensation under the NSW CTP scheme depends on your injury, your earnings and fault, and the same rules apply under Northern Beaches Council as in every other council area. From North Curl Curl, the Sydney CBD is around 14 km away. That doesn't limit your options: an independent lawyer can run a damages claim by phone, email and video, and the claim check itself runs over the phone or online.
- Region
- Northern Beaches
- Postcode
- 2099
- Local government area
- Northern Beaches Council
- From the Sydney CBD
- ~14 km
The two kinds of CTP compensation
A NSW CTP claim can pay two different kinds of compensation. Most injured people get the first. Only some can claim the second. Neither comes with a set figure; what you receive depends on your circumstances.
Statutory benefits
- Available to most injured people, regardless of fault
- Weekly payments: up to 95% of pre-accident earnings, then up to 80% or 85%
- Treatment and care that is reasonable and necessary
- Up to 52 weeks for a threshold injury or if mostly at fault (accidents from 1 April 2023)
- Weekly payments generally end at 104 weeks unless a damages claim is pending
- Claim within 28 days for back-paid weekly payments
Common law damages
- Only if another driver was at fault and you weren't mostly at fault
- Your injury must be more than a threshold injury
- Can include past and future lost earnings
- Pain and suffering only if whole person impairment is more than 10%
- Generally doesn't include treatment and care or unpaid care from family
- Generally must be claimed within 3 years of the accident
General information, not legal advice. We give no dollar figures because every claim is different. Time limits apply.
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Non-economic loss explained
Where your injury sits against the 10% line is often unclear early on, and it isn't something to guess. Some injuries are plainly above it and many are below it. How and when impairment is assessed is a subject of its own; for compensation, what matters is that pain and suffering damages depend on the line, while lost-earnings damages don't.
10% or less?
Impairment of 10% or less doesn't end a damages claim. It rules out pain and suffering, but economic loss can still be claimed if you otherwise qualify.
Loss of earnings
If the injury means you can't return to the work you did, or can only work fewer hours, that loss can stretch well into the future. In a damages claim, future economic loss looks at what you would likely have earned if the crash hadn't happened. Evidence matters: payslips, tax returns, employer letters and expert reports about your capacity to work.
- Tax returns and notices of assessment
- Evidence of a recent pay rise or promotion
- Rosters showing regular overtime or shifts
- Records of any income since the accident
Read next:CTP weekly payments
Payments beyond the 104-week mark
If you're still off work as the 2-year mark approaches, plan early. Weekly payments generally end at 104 weeks unless a damages claim is pending, and only a claim lodged inside the first 2 years keeps them going. Whether you can claim damages at all depends on fault and on your injury being more than threshold, so it's worth getting advice well before month 20.
The 2-year lodging rule
To keep weekly payments going past 2 years, lodge the damages claim within 2 years of the accident. Waiting until the general 3-year limit can mean payments stop in the meantime.
Read next:CTP weekly payments
What sits outside the damages claim
If a family member has been driving you around or helping at home, you might expect that to be compensated. Under the current NSW scheme, damages generally don't cover that kind of gratuitous care. Nor do they generally cover treatment and care costs, which are handled through statutory benefits. The rules for your accident date are worth checking.
Online estimates and their limits
Online compensation calculators can't account for the things that actually decide a CTP claim: whether your injury is more than threshold, who was at fault, your whole person impairment, your earnings history and your accident date. A figure produced without those facts isn't a guide; it's a guess. That's why we don't publish one.
Read next:Can I claim damages?
Compensation claims: lawyer or not?
Statutory benefits often run without a lawyer. Damages claims usually involve one. These lists show common situations, and your own claim check can confirm where you sit.
Often worth talking to a lawyer
- Your pre-accident earnings seem to have been set too low
- Fault is disputed or shared
- An offer to settle has come from the insurer
- A family member died and dependants may have a claim
You may not need one
- Your injury is a threshold injury and you agree with that
- You only need to understand how weekly payments are calculated
- You've recovered and are back at your usual work
Before you accept any offer, get it in writing and check what it covers: past and future lost earnings and, where impairment is more than 10%, pain and suffering. Take your time; an offer doesn't have to be answered on the spot. CTP settlements
Not quite your situation?
- If the real question is how serious your injury is in claim terms, including impairment, the injury compensation page for North Curl Curl explains it. Injury compensation lawyer in North Curl Curl
- If it isn't clear yet whether this is a CTP injury claim, a damage claim or something else, begin with the car accident claim page. Car accident claim in North Curl Curl
- For the day-to-day side of weekly payments, such as rates, certificates and the case manager, the CTP claims page is the better fit. CTP claims in North Curl Curl
Frequently asked questions
The same principles apply, but proving earnings takes more paperwork. Tax returns, business activity statements, accountant's records and contracts help show what you earned before the accident. If your business was growing, records from the year before the crash can matter. Gather them early, because the insurer relies on them for weekly payments, and they matter again in any damages claim.
Statutory benefits can include weekly payments if you can't work, or can't work as much, and treatment and care that is reasonable and necessary. If you qualify for common law damages, they can include past and future loss of earnings and, if your whole person impairment is more than 10%, pain and suffering. After a fatal crash, reasonable funeral expenses are covered regardless of fault.
Not for NSW CTP claims. Compensation depends on facts a calculator can't assess, such as whether your injury is more than threshold, your whole person impairment, your share of fault and your earnings history. Many of those aren't known until well into a claim. Treat any online figure with caution, and focus instead on the questions that decide your entitlements.
Yes, in two ways. Weekly payments replace part of your income while you recover: up to 95% of pre-accident earnings for the first 13 weeks, then up to 80% or 85%, subject to an indexed maximum. If you qualify for common law damages, you can also claim past and future loss of earnings, called economic loss, without needing impairment above 10%.
They can. The usual end point is 104 weeks, but a common law damages claim you've lodged that is still pending can extend them: to as long as 156 weeks where whole person impairment is 10% or less, or 260 weeks where it's more than 10%. The extension only works if the damages claim went in within 2 years of the accident, so the timing of your claim matters.
No one can tell you that without knowing your facts, and we don't publish figures. Compensation depends on your injuries, your pre-accident earnings, whether someone else was at fault, whether your injury is more than a threshold injury, your whole person impairment and your accident date. Most people receive statutory benefits. Some can also claim damages. A free claim check helps you understand which applies to you.
Car accident compensation: suburbs near North Curl Curl
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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.