Starting a CTP claim from La Perouse is mostly about getting the basics in on time. The claim form, the Certificate of Fitness and proof of income do most of the work. Things get harder when the insurer questions your injury, your fault or your delay. That's when an independent CTP lawyer may help, and our free claim check can tell you if you've reached that point.
Eastern Suburbs · CTP claims
CTP claims for people in La Perouse
Most people can lodge a CTP claim themselves. We'll check yours for free and flag anything that needs more help.
Postcode: 2036
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in La Perouse & Phillip Bay
Starting your claim from La Perouse
If Prince of Wales Hospital treated you after a crash on Anzac Parade or Southern Cross Drive, request your records early. They help your GP complete the Certificate of Fitness that goes in with your claim. La Perouse is about 11 km south of Bondi Junction, but there's nowhere you need to drive. Claims can be lodged online through Service NSW, and our claim check runs by phone and online, so you can deal with it all from home.
- Region
- Eastern Suburbs
- Postcode
- 2036
- Nearest public hospital
- Prince of Wales Hospital
- Distance to Bondi Junction
- ~11 km
Key dates in a NSW CTP claim
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
Three months after the accident is the practical cut-off. Later claims can only be accepted in limited circumstances, usually with a full and satisfactory explanation. If you're past it, speak to a lawyer straight away.
Weeks 1–13, then 14+
Weekly payment rates
Weekly payments are up to 95% of your pre-accident earnings for the first 13 weeks. From week 14 they're up to 80% or 85%, depending on your earning capacity. An indexed maximum applies.
52 weeks
The threshold and at-fault line
At 52 weeks, people with a threshold injury, and people wholly or mostly at fault, generally stop receiving weekly payments and treatment and care. For accidents between 1 December 2017 and 31 March 2023, that limit was 26 weeks.
104 weeks
Weekly payments generally end
At the 104-week mark, weekly payments generally end. They can run longer only while a common law damages claim is pending, and how much longer depends on the level of impairment.
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?
If more than one vehicle was involved, or you don't have the other driver's details, CTP Assist on 1300 656 919 can help identify the right insurer.
Read next:CTP formsThe personal injury claim form
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
Benefit rules depend on your accident date and have changed over time. This is general information; check the current rules or ask CTP Assist.
Read next:CTP weekly paymentsCTP entitlements
What you'll need to lodge
You don't need a perfect file to lodge. Start with the basics you have, then add documents as they arrive. Insurers generally ask for more information later, and it's better to lodge within 28 days with a gap in the paperwork than to wait for every page and lose back-pay.
- Date, time and place of the crash
- Registration numbers of the vehicles involved
- Recent payslips, tax returns or business records
- Your employer's name and contact details
- Names and numbers of any witnesses
Read next:Checklist: your first 30 days
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
Do you need a lawyer to make a CTP claim?
Lodging a CTP claim is something most people do without any legal help. A few situations change that. Here's a quick guide to which is which.
Often worth talking to a lawyer
- Your injury has been classed as threshold and your doctor disagrees
- Weekly payments stopped earlier than you expected
- The insurer's reasons for a decision don't make sense to you
- Another driver was at fault and your injury is more than threshold
You may not need one
- Your treatment requests are being approved
- You need help understanding a question on the form
- The insurer has accepted your claim
Treatment is often the first gap, not legal help. We can connect you with doctors and allied health experienced with CTP claims, from the Certificate of Fitness to physiotherapy and psychology.
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 La Perouse
- If your main question is whether to bring in a lawyer, the CTP lawyer page for La Perouse explains when legal help is worth it. CTP lawyer in La Perouse
- If a decision has already gone against you, the claim denied page explains internal review and what comes after it. CTP claim denied in La Perouse
Free claim check
Not sure your claim is on track?
Tell us where your claim is up to. The check is free, there's no obligation, and it's all by phone or online.
Threshold injuries and your benefit period
Plan around the 52-week mark if it applies to you. Keep your Certificates of Fitness current, keep treatment going as your doctor recommends, and ask the insurer in writing what will happen to payments and treatment when the period ends. If you think the threshold decision itself is wrong, you can ask for an internal review, generally within 28 days of receiving it.
Read next:Threshold vs non-threshold injury
Working with the insurer and your case manager
Your case manager will ask for updated Certificates of Fitness, may request medical reports and may arrange an assessment with a doctor the insurer chooses. Attend any assessment you're asked to, and keep your own notes afterwards. If you think a decision is wrong, ask for an internal review rather than letting it sit.
- Send updated certificates before the old one runs out
- Reply to requests promptly
- Note the date on any decision letter
When to get more help
Many people lodge and manage a CTP claim on their own. It's worth getting help when the insurer refuses the claim, classifies your injury as threshold when your doctor disagrees, stops payments, or argues about fault. It's also worth asking a lawyer about damages if your injury is more than threshold and someone else was at fault.
Read next:What help do I need?
Frequently asked questions
Generally up to 104 weeks, or 2 years. For a threshold injury, or if you were wholly or mostly at fault, they generally stop at 52 weeks for accidents from 1 April 2023. Beyond 104 weeks, payments continue only in limited cases where a damages claim is still pending, which how compensation works explains. Keep your Certificates of Fitness current throughout, because gaps can interrupt payments.
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.
Usually it's the CTP insurer of the vehicle at fault. If another vehicle caused the crash, that's usually its insurer; if you were at fault, it's usually your own vehicle's. If you're unsure, or several vehicles were involved, CTP Assist on 1300 656 919 can help identify the right one. If the vehicle was unidentified or uninsured, the claim goes to the Nominal Defendant, a NSW Government-backed fund that stands in for the missing insurer.
Your doctor does. In NSW CTP claims, the Certificate of Fitness records your injuries and your capacity for work, and the insurer relies on it when deciding weekly payments. The first one usually goes in with your claim, and you'll generally need updated certificates while you recover. Read each one before it's sent, and ask your doctor to correct anything missing, such as an injury that showed up days after the crash.
They're a percentage of your pre-accident earnings: up to 95% for the first 13 weeks, then up to 80% or 85% from week 14, depending on your earning capacity. They're subject to a legislated maximum weekly amount that is indexed each year, which is why we don't quote a dollar figure. The insurer works out your rate from your earnings information, so make sure it has the full picture.
Yes. A claim made within 3 months of the accident is still possible, but weekly payments may then run only from the date you claimed. For accidents from 1 April 2023, if you give a full and satisfactory explanation for the delay, you may still be paid from the day after the accident. An explanation the insurer doesn't reject within 14 days is treated as accepted.
CTP claims: suburbs near La Perouse
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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.