Sydney CBD & inner city · Car accident compensation

Car accident compensation in Surry Hills: what and when

No figures, no guesses. Just what compensation can include and what the amount depends on.

No one can tell you what your claim is worth from a web page, and you should be cautious of anyone who tries. What we can explain is how compensation works for people in Surry Hills: what each part covers, who qualifies and what the amount depends on. Many people only ever need statutory benefits. Where a damages claim is possible, an independent lawyer's advice matters.

Postcode: 2010

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Benefits first, damages maybe

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

What damages generally don't include

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.

Compensation for people in Surry Hills

Whether your working day starts at Central, Town Hall or Wynyard, a crash that keeps you home turns the question to lost earnings. Keep payslips, rosters and tax records, because they set the base for weekly payments and any damages claim. Coming under the City of Sydney has no bearing on compensation. Someone in Surry Hills and someone at the other end of the state are assessed under the same NSW rules, based on their injuries, their earnings and who was at fault.

Region
Sydney CBD & inner city
Postcode
2010
Local government area
City of Sydney

The two kinds of CTP compensation

It helps to see the two side by side. The points below are general and depend on your accident date, so treat them as a guide to the right questions rather than an answer.

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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When a damages claim can be made and settled

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

Get advice before accepting any settlement offer. A settlement generally ends your damages claim, and once signed it's usually final.

Read next:CTP settlementsShould I accept the first offer?

When the injury affects your work

Your pre-accident earnings are the anchor for both weekly payments and economic loss damages. Since amendments passed in 2022, pre-accident earnings can reflect higher income in the 12 months before the accident, and actual earnings after the accident are also considered. If you'd recently had a pay rise, a promotion or more shifts, make sure the insurer knows.

  • Tax returns and notices of assessment
  • Evidence of a recent pay rise or promotion
  • Your Certificates of Fitness
  • 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

Payments beyond 104 weeks depend on a damages claim being pending. The 3-year limit is the outer edge for damages, but the 2-year mark is the one that protects weekly payments.

Read next:CTP weekly payments

Pain and suffering: the 10% line

Many people assume every injury attracts compensation for pain. In the NSW CTP scheme it doesn't. Non-economic loss damages require whole person impairment of more than 10%, and you still need to meet the other damages conditions: someone else at fault, you not mostly at fault, and more than a threshold injury.

10% or less?

If your whole person impairment is 10% or less, you may still have a damages claim for lost earnings, as long as the other conditions are met.

Online estimates and their limits

Instead of a figure, get clarity on the questions that matter. Is your injury more than threshold? Were you mostly at fault? What did you earn before? Could impairment exceed 10%? Our free claim check works through those questions, and where a damages claim is possible, we'll connect you with an independent lawyer.

Read next:Can I claim damages?

Do you need a lawyer to get compensation?

Most people don't need a lawyer just to receive weekly payments. When a lump sum may be involved, it's a different story. Use these lists to get your bearings.

Often worth talking to a lawyer

  • Your injuries may be above the 10% impairment line
  • Your pre-accident earnings seem to have been set too low
  • The 2-year mark is close and no damages claim has been lodged
  • A family member died and dependants may have a claim

You may not need one

  • You were mostly at fault and don't dispute it
  • You only need to understand how weekly payments are calculated
  • You've recovered and are back at your usual work

Damages claims run on a clock. A claim must generally be made within 3 years of the accident, and within 2 years if you want weekly payments to continue past that point. CTP claim time limits

Not quite your situation?

  • If the real question is how serious your injury is in claim terms, including impairment, the injury compensation page for Surry Hills explains it. Injury compensation lawyer in Surry Hills
  • Before asking what you can get, you may need to know what kind of claim you have, and the car accident claim page starts there. Car accident claim in Surry Hills
  • 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 Surry Hills

Frequently asked questions

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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.

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