If you were hurt in a motor accident and live in Hurlstone Park, you can usually make a CTP claim without a lawyer. The claim goes to the CTP insurer, either online through Service NSW or directly, and timing matters: lodge within 28 days and weekly payments can generally be back-paid to the day after the accident. Our free claim check helps you get it right and tells you if anything about your claim needs legal help.
Canterbury-Bankstown · CTP claims
Making a CTP claim from Hurlstone Park
The 28-day and 3-month deadlines, the Certificate of Fitness and weekly payments, explained plainly.
Postcode: 2193
- Free claim check, no obligation
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- Helping people in Hurlstone Park & Canterbury
Lodging a claim when you live in Hurlstone Park
Hurt on the Hume Highway or King Georges Road? If Bankstown-Lidcombe Hospital or Canterbury Hospital treated you, request your records so your GP can complete the first Certificate of Fitness accurately. At roughly 9 km from the Sydney CBD, Hurlstone Park is no further from the CTP system than anywhere else. The Service NSW claim form is online, insurers work by phone and email, and our claim check is by phone and online.
- Region
- Canterbury-Bankstown
- Postcode
- 2193
- Nearest public hospital
- Canterbury Hospital
- Distance to Burwood
- ~4 km
How a CTP claim unfolds over time
A CTP claim runs to a clock that starts on the day of the accident. Here are the main points on it. Some depend on your accident date, so check which rules apply to you.
Day 0
The accident
Get medical help first. Then report the crash to police and note the event number, which the claim form asks for. The other vehicle's registration helps identify the right insurer later.
Within 28 days
Lodge your claim
Lodge your claim for statutory benefits within 28 days of the accident so weekly payments can generally be back-paid to the day after. You can lodge through Service NSW online or with the CTP insurer.
Within 14 days of your explanation
A late claim, explained
For accidents from 1 April 2023, a claim made after 28 days but within 3 months may still be back-paid if you give a full and satisfactory explanation. If the insurer doesn't reject it within 14 days, it's treated as accepted.
Within 3 months
The last point to claim
Claims can still be made up to 3 months after the accident, though weekly payments may then only start from the date of the claim. After 3 months, claims are accepted only in limited circumstances.
Weeks 1–13, then 14+
Weekly payment rates
For the first 13 weeks, payments are up to 95% of what you earned before the accident. After week 13 the rate becomes up to 80% or 85%; your earning capacity decides which. A legislated maximum applies.
52 weeks
The threshold and at-fault line
For accidents from 1 April 2023, statutory benefits for a threshold injury, or where you were wholly or mostly at fault, generally end 52 weeks after the accident. Children 16 and under keep treatment and care as long as needed.
104 weeks
Weekly payments generally end
Two years in, weekly payments generally stop unless you've lodged a damages claim that's still pending. To keep them going past 2 years, that damages claim must be lodged within 2 years of the accident.
General information, not legal advice. Dates depend on your accident date and circumstances. Rules change, so check the current rules.
Lodging your claim: the practical steps
You can lodge a claim for statutory benefits online through Service NSW, or directly with the relevant CTP insurer. If you're not sure which insurer that is, CTP Assist (1300 656 919) can help you identify it. The form asks about the accident, your injuries, your work and the treatment you've had so far, so have those details close by.
Not sure which insurer?
CTP Assist, run by SIRA, can help you work out which CTP insurer to claim against. Call 1300 656 919, 8:30am to 5pm weekdays.
Read next:CTP formsThe personal injury claim form
Why the Certificate of Fitness matters
Ask your GP for a Certificate of Fitness at your first visit after the crash, and keep getting updated ones while you're off work or on reduced hours. Gaps between certificates can cause gaps in payments. If your doctor isn't familiar with CTP forms, a practitioner who knows the scheme can make the process easier.
Read next:The Certificate of Fitness
Your claim paperwork checklist
The claim goes more smoothly with a few things ready: the police event number, the other vehicle's registration, your Certificate of Fitness, payslips or tax records showing what you earned, and your employer's details. If you've paid for treatment or medication, keep the receipts too. Missing something shouldn't stop you lodging on time.
- Date, time and place of the crash
- Registration numbers of the vehicles involved
- Recent payslips, tax returns or business records
- Receipts for treatment, medication and travel
- Names and numbers of any witnesses
Read next:Checklist: your first 30 days
What the insurer pays for
Income support is the part of a CTP claim most people ask about first. The insurer can only pay the right amount if it knows what you earned before the accident and what you can earn now, so send your earnings records early and tell it about any return to work. A maximum weekly amount applies and is indexed every year, so check the current figure with the insurer rather than relying on an old one.
Keep in mind that treatment funding is a decision, not a given. Your treating team sends requests, and the insurer considers whether the treatment is reasonable and necessary. Keep receipts for anything you pay yourself. If a request is declined, you can ask for an internal review, generally within 28 days of receiving the decision.
Rules change
The scheme has changed more than once since 2017. What applies to you depends on your accident date, so check the current rules before relying on any detail.
Read next:CTP weekly paymentsCTP entitlements
Do you need a lawyer to make a CTP claim?
Lodging is usually straightforward. What happens afterwards is where some claims need legal help. These lists show common signs either way; the claim check can give you a clearer answer.
Often worth talking to a lawyer
- Your claim went in more than 3 months after the accident
- Weekly payments stopped earlier than you expected
- The insurer's reasons for a decision don't make sense to you
- The insurer has refused to accept the claim
You may not need one
- Your treatment requests are being approved
- Your weekly payments arrive on time and the amount looks correct
- You're lodging within 28 days with the paperwork ready
A claim runs on medical evidence. If you don't yet have a GP who'll complete a Certificate of Fitness, we can point you to doctors and allied health who know the CTP scheme.
Not quite your situation?
- If you're not sure a CTP claim is even the right claim, for example because only your car was damaged, start with the car accident claim page. Car accident claim in Hurlstone Park
- If you're weighing up whether your claim needs a lawyer at all, the CTP lawyer page covers when one helps and when it doesn't. CTP lawyer in Hurlstone Park
- If a decision has already gone against you, the claim denied page explains internal review and what comes after it. CTP claim denied in Hurlstone Park
Free claim check
A quick check for claims from Hurlstone Park
Call (02) 7238 7379 or start online. A free claim check helps you lodge on time and spot problems early.
The 52-week limit and who it applies to
The 52-week limit isn't only about threshold injuries. For accidents from 1 April 2023, it generally applies too if you were wholly or mostly at fault, whatever your injury. For accidents between 1 December 2017 and 31 March 2023, both limits were 26 weeks instead. Children who were 16 or under at the time of the accident are an exception: they can receive treatment and care for as long as they need it, regardless of fault.
Read next:Threshold vs non-threshold injury
Dealing with the insurer day to day
Insurers make decisions under the scheme rules, and your case manager is the person who passes them on. Most contact is routine: updated certificates, treatment approvals, payment questions. Reply promptly, keep copies of what you send, and ask for written reasons for any decision you don't understand. You can challenge decisions if you need to.
- Log every call with the date and the name of the person
- Ask for important decisions in writing
- Send updated certificates before the old one runs out
Help beyond lodging
Help comes in different forms. For treatment and medical evidence, doctors and allied health practitioners who know the CTP scheme are often the right first call. For disputes and damages, an independent CTP lawyer. For general questions, CTP Assist on 1300 656 919. Our free claim check helps you work out which of these you need.
Read next:What help do I need?
Frequently asked questions
Only in limited circumstances, usually where there's a full and satisfactory explanation for the delay. The rules are strict and depend on your facts. Speak to a lawyer straight away if you're outside 3 months, and gather anything that shows why you couldn't claim sooner, such as a hospital stay, a period when you couldn't manage your affairs or a symptom that only appeared later.
Start with the police event number, the registration of the vehicles involved, your Certificate of Fitness and proof of your earnings, such as payslips or tax returns. Hospital discharge summaries, receipts for treatment and medication, and witness details help too. You don't need everything to lodge. It's better to lodge on time and send extra documents when the insurer asks for them.
The insurer generally acknowledges the claim, gives you a claim number and assigns a case manager. It may ask for more information, such as payslips or your consent to obtain medical records, and it then decides whether to accept the claim and start weekly payments and treatment approvals. Keep sending updated Certificates of Fitness and answer requests promptly. Decisions should come with reasons, and most can be reviewed if you disagree.
Generally yes, if your doctor says you can. Your Certificate of Fitness records your capacity for work, and weekly payments may be adjusted to take account of what you earn after the accident. Tell the insurer about any work or income straight away. Returning to suitable work, at a pace your doctor supports, is often part of recovery.
The insurer generally pays for treatment and care that is reasonable and necessary for your accident injuries, within the benefit periods that apply to you. That can include some travel to and from treatment. Each request is a decision rather than a given, so check before you commit to large costs and keep every receipt. If a request is declined, you can ask for a review.
A CTP claim pays statutory benefits as you go, and most injured people can claim them regardless of who was at fault. They include weekly payments if you can't work, or can't work as much, and treatment and care that is reasonable and necessary for your injuries. How long they last depends on your injury, your share of fault and your accident date. CTP covers people, not vehicles, so car repairs are a separate matter.
CTP claims: suburbs near Hurlstone Park
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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.