The first weeks after a crash are busy, and the CTP claim can slip down the list. It shouldn't. People in Padstow face the same deadlines as everyone in NSW: 28 days for back-paid weekly payments and 3 months to claim at all, with only limited exceptions. We can check where your claim is up to for free, and point you to legal or medical help only where it's actually needed.
Canterbury-Bankstown · CTP claims
Starting a CTP claim after a crash near Padstow
Check your claim for free, by phone or online. Legal help if it needs it; treatment help if that's the gap.
Postcode: 2211
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Padstow & Revesby
Your first months: the CTP claim timeline
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
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
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
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
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
Your doctor's part in the claim
The Certificate of Fitness is where your medical story meets the insurer. It lists your injuries and says what work, if any, you can do. If a certificate misses an injury or overstates your capacity, weekly payments may not reflect your situation, so read each one before it goes to the insurer and raise anything wrong with your doctor.
Read next:The Certificate of Fitness
Starting your claim from Padstow
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. Lodging a claim doesn't mean a trip to Bankstown, 4 km away. From Padstow, the claim form can be completed online, most insurer contact happens by phone and email, and our free claim check works the same way.
- Region
- Canterbury-Bankstown
- Postcode
- 2211
- Nearest public hospital
- Bankstown-Lidcombe Hospital
- Distance to Bankstown
- ~4 km
Free claim check
A quick check for claims from Padstow
Free, no obligation, by phone or online. We'll check your deadlines and paperwork, and tell you if anything needs a lawyer.
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.
- Your Certificate of Fitness
- 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
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.
- Log every call with the date and the name of the person
- Reply to requests promptly
- Ask what a request is for if it's unclear
When the 52-week limit applies
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
Weekly payments and treatment
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.
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
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
When to get more help
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?
Lodging alone, or with help?
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
- The insurer has refused to accept the claim
- You've been asked to sign a release or settlement
- The insurer says you were mostly at fault
- The insurer's reasons for a decision don't make sense to you
You may not need one
- You just need to know which insurer to claim against
- Your injury is healing well within the first months
- You need help understanding a question on the form
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 Padstow sorts that out first. Car accident claim in Padstow
- If your main question is whether to bring in a lawyer, the CTP lawyer page for Padstow explains when legal help is worth it. CTP lawyer in Padstow
- If a decision has already gone against you, the claim denied page explains internal review and what comes after it. CTP claim denied in Padstow
Frequently asked questions
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.
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 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.
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.
Most people use the Service NSW online form, and you can also lodge directly with the relevant CTP insurer. The form asks about the accident, the police event number, your injuries and treatment, and your work and income. Attach a Certificate of Fitness from your doctor if you have one. Aim to have the claim in within 28 days of the accident, so weekly payments can generally be back-paid to the day after it.
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.
CTP claims: suburbs near Padstow
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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.