Starting a CTP claim from Pleasure Point is mostly about getting the basics in on time. The claim form, the Certificate of Fitness and proof of income do most of the work. Things get harder when the insurer questions your injury, your fault or your delay. That's when an independent CTP lawyer may help, and our free claim check can tell you if you've reached that point.
Liverpool & Fairfield · CTP claims
Pleasure Point: your CTP claim, step by step
The 28-day and 3-month deadlines, the Certificate of Fitness and weekly payments, explained plainly.
Postcode: 2172
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Pleasure Point & Voyager Point
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
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
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
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.
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 the treatment you've had so far, 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
Your claim paperwork checklist
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.
- Police event number
- Registration numbers of the vehicles involved
- Hospital discharge summary, if you were admitted
- Receipts for treatment, medication and travel
- Names and numbers of any witnesses
Read next:Checklist: your first 30 days
Pleasure Point: treatment, paperwork and your claim
If Liverpool Hospital or Fairfield Hospital treated you after a crash on the Hume Highway or Cumberland Highway, keep every document. The insurer may ask for them, and having them ready avoids delays in weekly payments. At roughly 24 km from the Sydney CBD, Pleasure Point 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
- Liverpool & Fairfield
- Postcode
- 2172
- Nearest public hospital
- Bankstown-Lidcombe Hospital
- Distance to Liverpool
- ~7 km
Free claim check
Not sure your claim is on track?
Tell us where your claim is up to. The check is free, there's no obligation, and it's all by phone or online.
When the 52-week limit applies
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
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
Working with the insurer and your case manager
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.
- Log every call with the date and the name of the person
- Note the date on any decision letter
- Ask what a request is for if it's unclear
Weekly payments and treatment
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.
Keep in mind that treatment funding is a decision, not a given. Your treating team sends requests, and the insurer considers whether the treatment is reasonable and necessary. Keep receipts for anything you pay yourself. If a request is declined, you can ask for an internal review, generally within 28 days of receiving the 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
When to get more help
Many people lodge and manage a CTP claim on their own. It's worth getting help when the insurer refuses the claim, classifies your injury as threshold when your doctor disagrees, stops payments, or argues about fault. It's also worth asking a lawyer about damages if your injury is more than threshold and someone else was at fault.
Read next:What help do I need?
Do you need a lawyer to make a CTP claim?
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
- Someone died in the crash
- Weekly payments stopped earlier than you expected
- The insurer's reasons for a decision don't make sense to you
You may not need one
- Your treatment requests are being approved
- Your weekly payments arrive on time and the amount looks correct
- The insurer has accepted your claim
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 Pleasure Point sorts that out first. Car accident claim in Pleasure Point
- 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 Pleasure Point
- 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 Pleasure Point
Frequently asked questions
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.
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.
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.
The insurer generally acknowledges the claim, gives you a claim number and assigns a case manager. It may ask for more information, such as payslips or your consent to obtain medical records, and it then decides whether to accept the claim and start weekly payments and treatment approvals. Keep sending updated Certificates of Fitness and answer requests promptly. Decisions should come with reasons, and most can be reviewed if you disagree.
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 Pleasure Point
Related reading
- How to make a CTP claim
- The 28-day rule
- The CTP claim process
- Check your time limits
- What happens after you lodge
- Soft Tissue Injury
- Delayed Symptoms After a Car Accident
- Child Injured in a Car Accident
- Accident on a Learner or P-Plate
- CTP claims for drivers
- Liverpool & Fairfield: area guide
- CTP Lawyer Help in Sydney
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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.