A CTP claim is how you access weekly payments and treatment after a NSW motor accident. For many people in Redfern, it's a form, a medical certificate and some follow-up with the insurer. For others, it becomes the start of a dispute. This page walks through the steps and deadlines, and our free claim check tells you whether your situation needs a lawyer, a doctor or just a clear plan.
Sydney CBD & inner city · CTP claims
CTP claims for people in Redfern
Check your claim for free, by phone or online. Legal help if it needs it; treatment help if that's the gap.
Postcode: 2016
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Redfern & Darlington
Lodging a claim when you live in Redfern
Treated at St Vincent's Hospital, Royal Prince Alfred Hospital or Sydney Hospital? Keep the discharge summary with your police event number. Together they're the backbone of a claim form, whether the crash was on Oxford Street or Broadway. Lodging a claim doesn't mean a trip to the Sydney CBD, 3 km away. From Redfern, 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
- Sydney CBD & inner city
- Postcode
- 2016
- Nearest public hospital
- Royal Prince Alfred Hospital
- Distance to the Sydney CBD
- ~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
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
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 your claim: the practical steps
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 the doctors treating you. Most people can complete it themselves in one go if they have the details to hand.
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 case manager and what to expect
Insurers make decisions under the scheme rules, and your case manager is the person who passes them on. Most contact is routine: updated certificates, treatment approvals, payment questions. Reply promptly, keep copies of what you send, and ask for written reasons for any decision you don't understand. You can challenge decisions if you need to.
- Log every call with the date and the name of the person
- Reply to requests promptly
- Note the date on any decision letter
What statutory benefits cover
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
Threshold injuries and your benefit period
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
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's reasons for a decision don't make sense to you
- The insurer has refused to accept the claim
- Weekly payments stopped earlier than you expected
- Your injury has been classed as threshold and your doctor disagrees
You may not need one
- The insurer has accepted your claim
- Your weekly payments arrive on time and the amount looks correct
- Your treatment requests are being approved
A claim runs on medical evidence. If you don't yet have a GP who'll complete a Certificate of Fitness, we can point you to doctors and allied health who know the CTP scheme.
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 Redfern sorts that out first. Car accident claim in Redfern
- 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 Redfern
- 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 Redfern
Free claim check
Lodging soon? Get a free claim check
Call (02) 7238 7379 or start online. A free claim check helps you lodge on time and spot problems early.
The Certificate of Fitness
In NSW CTP claims, your doctor fills in a Certificate of Fitness recording your injuries and your capacity for work. The first one generally goes in with your claim, and updated certificates follow as you recover. It's the document insurers rely on for weekly payments, so make sure it lists all your injuries, including any that appeared days later.
Read next:The Certificate of Fitness
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.
- Police event number
- Date, time and place of the crash
- Your Certificate of Fitness
- Receipts for treatment, medication and travel
- Names and numbers of any witnesses
Read next:Checklist: your first 30 days
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?
Frequently asked questions
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.
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.
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.
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.
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.
CTP claims: suburbs near Redfern
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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.