You don't need a lawyer to lodge a CTP claim, and many people never use one. What helps most is having the police event number, a Certificate of Fitness from your doctor, your earnings details and the insurer's name. If you're in North Manly and unsure where to start, our free claim check walks you through it and flags anything that may need more than a form.
Northern Beaches · CTP claims
CTP claims for people in North Manly
Lodge on time, keep the right papers, understand your payments. Get free help if anything goes sideways.
Postcode: 2100
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in North Manly & Manly Vale
North Manly: treatment, paperwork and your claim
If Northern Beaches Hospital or Mona Vale Hospital treated you, take the discharge summary to your GP. It makes the first Certificate of Fitness more accurate, which helps your claim start cleanly. North Manly is about 3 km south-west of Dee Why, 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
- Northern Beaches
- Postcode
- 2100
- Nearest public hospital
- Northern Beaches Hospital
- Distance to Dee Why
- ~3 km
Key dates in a NSW CTP claim
From the day of the crash to the two-year mark, this is how a typical claim for statutory benefits is timed. Your own claim may differ, especially if the insurer disputes something.
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
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
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
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?
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
Threshold injuries and your benefit period
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
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
The Certificate of Fitness
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
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 says you were mostly at fault
- The insurer has refused to accept the claim
- The insurer's reasons for a decision don't make sense to you
- Your injury has been classed as threshold and your doctor disagrees
You may not need one
- Your treatment requests are being approved
- You need help understanding a question on the form
- 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 North Manly sorts that out first. Car accident claim in North Manly
- If your main question is whether to bring in a lawyer, the CTP lawyer page for North Manly explains when legal help is worth it. CTP lawyer in North Manly
- 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 North Manly
Free claim check
A quick check for claims from North Manly
Call (02) 7238 7379 or start online. A free claim check helps you lodge on time and spot problems early.
Dealing with the insurer day to day
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
- Keep copies of everything you send
- Reply to requests promptly
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.
- Registration numbers of the vehicles involved
- Hospital discharge summary, if you were admitted
- 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
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
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.
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.
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.
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.
No. Most people can lodge a CTP claim themselves, online through Service NSW or with the insurer, and CTP Assist can help with questions for free. A lawyer becomes more useful if the claim is refused, if you're outside the time limits, if the insurer disputes your injury or fault, or if you may have a damages claim. Our free claim check can tell you which applies.
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 hospital and GP records 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.
CTP claims: suburbs near North Manly
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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.