If you were hurt in a motor accident and live in Mosman, 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.
Lower North Shore & Ryde · CTP claims
Your CTP claim from Mosman: forms, dates, payments
Most people can lodge a CTP claim themselves. We'll check yours for free and flag anything that needs more help.
Postcode: 2088
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Mosman & Cremorne Point
Mosman: treatment, paperwork and your claim
Commuting via the Warringah Freeway, Epping Road or the Metro through Chatswood? If an injury stops you working, the insurer will need your payslips and employer details for weekly payments, so gather them early. If an ambulance took you to Royal North Shore Hospital, the ambulance record and the emergency notes both describe your injuries on the day of the crash. List both on the claim form, since the insurer may ask for them before it decides. At roughly 4 km from the Sydney CBD, Mosman 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
- Lower North Shore & Ryde
- Postcode
- 2088
- Nearest public hospital
- Royal North Shore Hospital
- From the Sydney CBD
- ~4 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
Your health 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
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
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
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
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
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 the claim: where and how
Before you lodge, report the accident to police if you haven't already. The claim form generally asks for the police event number, and the insurer will usually want to see that the crash was reported. Then complete the form online through Service NSW or with the insurer, attaching your Certificate of Fitness if you already have one.
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
Working with the insurer and your case manager
Once your claim is lodged, the insurer usually assigns a case manager. They're your main contact for payments, treatment requests and paperwork. Keep a simple log of each call: the date, who you spoke with and what was agreed. If something is promised by phone, ask for it by email so you have a record.
- Ask for important decisions in writing
- Keep copies of everything you send
- Ask what a request is for if it's unclear
What statutory benefits cover
If the injury affects your work, weekly payments are generally based on your pre-accident earnings, and the percentage steps down after the first 13 weeks. The insurer relies on your earnings records to set the rate and on your Certificate of Fitness to know what work you can do. There's an indexed maximum, and payments generally stop after 104 weeks.
Your CTP insurer covers treatment and care for accident injuries where it's reasonable and necessary, within whatever benefit period applies to you. That can include doctor visits, physiotherapy, medication and some travel for treatment. The insurer decides each request, and decisions can be reviewed, so ask before committing to large treatment costs.
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
Your claim paperwork checklist
Think of the claim as three bundles of evidence: what happened, what it did to your body, and what it's costing you. The first is police and vehicle details. The second is hospital records and your Certificate of Fitness. 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
- Your Certificate of Fitness
- Hospital discharge summary, if you were admitted
- Recent payslips, tax returns or business records
Read next:Checklist: your first 30 days
Lodging alone, or with help?
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
- The insurer has refused to accept the claim
- 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
- Your claim went in more than 3 months after the accident
You may not need one
- Your injury is healing well within the first months
- You're lodging within 28 days with the paperwork ready
- You just need to know which insurer to claim against
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 still working out what kind of claim you have after the crash, the car accident claim page for Mosman sorts that out first. Car accident claim in Mosman
- 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 Mosman
- 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 Mosman
Free claim check
A quick check for claims from Mosman
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
Some claims are capped at 52 weeks. For accidents on or after 1 April 2023, people whose injury is classed as a threshold injury can receive weekly payments and treatment and care for up to 52 weeks after the accident. The threshold label replaced the older term “minor injury” on that date. Whether an injury is threshold is a medical question in its own right; for running the claim, the point is the time limit it sets.
Read next:Threshold vs non-threshold injury
Your doctor's part in the claim
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
Signs your claim needs more than a form
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
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.
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.
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.
A case manager is usually your main contact at the insurer. They handle your weekly payments, treatment 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.
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 Mosman
Related reading
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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.