Most CTP claims begin the same way: an accident, a police report and a form. What happens next depends on your injury, your work and the insurer's decisions. This guide explains each stage for people in Liberty Grove, with honest notes on when you can manage alone and when it's worth getting help from a lawyer, or from a free service such as CTP Assist.
Inner West · CTP claims
A plain guide to CTP claims for Liberty Grove
The 28-day and 3-month deadlines, the claim form and weekly payments, explained plainly.
Postcode: 2138
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Liberty Grove & Concord West
Liberty Grove: paperwork, deadlines and your claim
Hurt on Parramatta Road, Victoria Road or in the WestConnex tunnels? Report it to police and keep the event number. The claim form asks for it, and the insurer will generally want the crash to have been reported. Liberty Grove is about 5 km north of Burwood, 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
- Inner West
- Postcode
- 2138
- Distance to Burwood
- ~5 km
- Main roads
- Parramatta Road · Concord Road
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
Safety comes first, then the paperwork. Report the accident to police, keep the event number, and write down the date, time and place while they're fresh, since the claim form asks for all three.
Within 28 days
Lodge your claim
The 28-day mark is the one to aim for: claims received by then generally have weekly payments back-paid to the day after the accident. Lodging sooner also means the evidence is fresh.
Within 14 days of your explanation
A late claim, explained
Lodged late, but inside 3 months, for an accident from 1 April 2023? Explain the delay fully. An explanation the insurer hasn't rejected within 14 days is treated as accepted, so back-pay can still apply.
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
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.
Getting your claim in
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 your income, 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
What the insurer pays for
Weekly payments replace part of your income while the injury keeps you off work or on reduced hours. The insurer sets your rate from what you earned before the accident, so give it the full picture from the start: every job you held and the hours you usually worked. A legislated maximum applies and is indexed each year, so the cap itself changes over time.
Think of treatment and care as a benefit the insurer decides case by case rather than a blank cheque. The test is whether it's reasonable and necessary, and the benefit period that applies to you sets the outer limit. Keep a running list of what's been requested, approved and declined. That list is useful if you ever need to challenge a 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
What you'll need to lodge
Think of the claim as three bundles of evidence: what happened, how it has affected you, and what it's costing you. The first is police and vehicle details. The second is the certificates and records that describe your injuries. The third is proof of earnings and receipts. Lodge on time even if one bundle isn't complete yet.
- Police event number
- Date, time and place of the crash
- The other driver's name and contact details
- Receipts for costs you've paid because of the crash
- Names and numbers of any witnesses
Read next:Checklist: your first 30 days
What happens after you lodge
After you lodge, the insurer works through a few questions: is this a valid claim, what did you earn before the accident, and which benefits apply to you? Your answers, the police report and your payslips feed into each one. You'll hear from a case manager, and decisions should arrive in writing with reasons. If one doesn't look right, you can generally ask for an internal review within 28 days of receiving it.
Read next:What happens after you lodge
Do you need a lawyer to make a CTP claim?
Plenty of claims run from start to finish without legal help. A few need it early. If you recognise your situation below, you'll have a fair idea where you stand.
Often worth talking to a lawyer
- Your claim went in more than 3 months after the accident
- The insurer says you were mostly at fault
- The insurer's reasons for a decision don't make sense to you
- Your injury has been classed as threshold and the evidence says otherwise
You may not need one
- The insurer is approving your benefit requests
- You need help understanding a question on the form
- Your weekly payments arrive on time and the amount looks correct
A claim runs on paperwork. Keep every letter from the insurer in date order, note the day each decision arrived, and send anything it asks for promptly, keeping a copy for yourself. CTP forms explained
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 Liberty Grove
- If your main question is whether to bring in a lawyer, the CTP lawyer page for Liberty Grove explains when legal help is worth it. CTP lawyer in Liberty Grove
- If the insurer has already refused your claim or cut off payments, the page on denied claims covers the review steps and deadlines. CTP claim denied in Liberty Grove
Free claim check
A quick check for claims from Liberty Grove
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 current, note the date the period ends, and ask the insurer in writing what will happen to your weekly payments and other benefits at that point. 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
Your case manager and what to expect
Your case manager will ask for updated certificates, may request reports about your injuries and may arrange an independent assessment. 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, because the review window is generally 28 days.
- Keep copies of everything you send
- Note the date on any decision letter
- Ask what a request is for if it's unclear
Help beyond lodging
If you lodged late, the stakes are higher: claims more than 3 months after the accident are accepted only in limited circumstances. The same goes if you've received a settlement offer or a letter you don't understand. In those situations, an independent lawyer's view is usually worth getting sooner rather than later.
Read next:Do I need a lawyer? Quick check
Frequently asked questions
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.
A parent or guardian can generally make the claim on the child's behalf, using the same claim form. Aim for the same 28-day mark, and keep the claim documents together. Whoever was at fault, a child who was 16 or under when the accident happened can keep receiving treatment and care for as long as it's needed. If an older child had a job at the time, tell the insurer, because lost earnings may also be part of the claim.
Generally yes, if your Certificate of Fitness says you have some capacity for work. Weekly payments may be adjusted to take account of what you earn after the accident, so tell the insurer about any work or income straight away. Keep your payslips and a note of your hours. If a change in your hours affects your payments, ask the insurer to explain the new amount in writing.
Tell the insurer in writing as soon as you notice, give the correct details and keep a copy. Honest corrections are a normal part of a claim. What causes problems is leaving wrong information on the file, particularly about your earnings or how the crash happened. If the mistake has already affected a decision, ask whether it will be reconsidered, and remember you can generally seek an internal review within 28 days.
A case manager is usually your main contact at the insurer. They handle your weekly payments, benefit requests and updated certificates, and they pass on the insurer's decisions. Keep a note of each conversation and ask for important decisions in writing. If you disagree with a decision, you can ask for an internal review, generally within 28 days.
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.
CTP claims: suburbs near Liberty Grove
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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.