If you were hurt in a motor accident and live in Pennant Hills, 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.
Upper North Shore & Hornsby · CTP claims
Your CTP claim from Pennant Hills: forms, dates, payments
Check your claim for free, by phone or online. Legal help if it needs it; a clear plan if it doesn't.
Postcode: 2120
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- By phone & online, no office to visit
- Helping people in Pennant Hills & Beecroft
What people in Pennant Hills need to lodge a claim
Crashes on the M1 north of Wahroonga or on Pennant Hills Road can involve vehicles from anywhere. The claim goes to the relevant vehicle's CTP insurer, and CTP Assist can help identify it if you're unsure. Pennant Hills is about 5 km south-west of Hornsby, 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
- Upper North Shore & Hornsby
- Postcode
- 2120
- Distance to Hornsby
- ~5 km
- Main roads
- Pennant Hills Road · Yarrara Road
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
Make sure everyone is safe 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
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
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
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 the claim: where and how
There are two main ways to lodge: the Service NSW online form, or the CTP insurer itself. Either way, you'll be asked for the accident date and place, the vehicles involved, your injuries, your employer and income, and any witnesses. Most people can complete it themselves in one go if they have the details to hand.
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
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.
- Ask for important decisions in writing
- Keep copies of everything you send
- Reply to requests promptly
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.
Statutory benefits also include treatment and care, but only where it's reasonable and necessary and within your benefit period. For running the claim, the practical points are simple: ask before you commit to a large cost, keep every receipt, and get decisions in writing. A declined request is a decision like any other, and you can generally ask for an internal review within 28 days of receiving it.
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
The 52-week limit and who it applies to
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
Lodging alone, or with help?
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
- Another driver was at fault and your injury is more than threshold
- The insurer says you were mostly at fault
- Weekly payments stopped earlier than you expected
- Your injury has been classed as threshold and the evidence says otherwise
You may not need one
- Your weekly payments arrive on time and the amount looks correct
- You just need to know which insurer to claim against
- You need help understanding a question on the form
Many stalled claims are missing something simple: an event number, payslips or a current certificate. Ask your case manager in writing what's outstanding, then send it and keep a copy. What happens after you lodge
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 Pennant Hills
- 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 Pennant Hills
- 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 Pennant Hills
Free claim check
Not sure your claim is on track?
Call (02) 7238 7379 or start online. A free claim check helps you lodge on time and spot problems early.
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
- Your Certificate of Fitness
- Recent payslips, tax returns or business records
- Receipts for costs you've paid because of the crash
Read next:Checklist: your first 30 days
What happens after you lodge
Lodging starts the insurer's clock as well as yours. The insurer generally confirms it has your claim, gives you a claim number and puts a case manager in charge of it. Expect requests for more detail about your earnings and the crash, and a form asking for your consent to collect records. Reply quickly and keep copies, because slow replies can hold up a decision on your weekly payments.
Read next:What happens after you lodge
When to get more help
Help comes in different forms. For general questions about the scheme, CTP Assist on 1300 656 919. For statutory benefits questions, SIRA's free CTP Legal Advisory Service. For disputes and damages, an independent CTP lawyer. Our free claim check helps you work out which of these you need, if any.
Read next:Do I need a lawyer? Quick check
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.
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.
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 your work and income. Attach a Certificate of Fitness 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.
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.
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. Receipts for out-of-pocket costs 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.
CTP claims: suburbs near Pennant Hills
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.