Upper North Shore & Hornsby · Motor vehicle accident claims

Motor vehicle accident lawyer help for East Killara

Riders, pedestrians, cyclists and passengers: whether the NSW motor accident scheme covers what happened to you.

The CTP scheme isn't only for drivers. A pedestrian hit on a crossing, a cyclist knocked off by a turning car and a pillion passenger all claim through the same NSW scheme. For people in East Killara, we explain how it applies to your situation and whether an independent lawyer would help, especially where the facts are unusual.

Postcode: 2071

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Local roads and transport near East Killara: who gets hurt, and how

Freight uses NorthConnex and the M1, but local delivery trucks still travel Pennant Hills Road and the Pacific Highway. A crash with one is claimed through the truck's CTP insurer, like any other vehicle. With Killara station and bus stops for Killara, Gordon and Chatswood nearby, many people walk or cycle to catch a service. If a vehicle hit you on the way, your claim is generally made to that vehicle's CTP insurer, whether or not you own a car. On a route like Koola Avenue, trucks and buses mix with motorbikes and bicycles. When a heavy vehicle is involved, note any company name or fleet number, because it helps identify the insurer.

Around Garigal National Park, shared paths, driveways and car park entries are where cars most often cross the path of cyclists and walkers. Photograph the layout and any signs, because fault can turn on who should have given way.

Region
Upper North Shore & Hornsby
Postcode
2071
Getting around
Killara station · bus services to Killara, Gordon and Chatswood
Main roads
Koola Avenue · Bushlands Avenue
Local landmarks
Garigal National Park · Koola Park
Nearest public hospital
Royal North Shore Hospital

What counts as a motor accident

In NSW, a motor accident is generally an incident involving the use or operation of a motor vehicle that causes an injury. You don't need to have been driving, or even in a vehicle. A pedestrian, a cyclist, a pillion passenger and a bus passenger can all be injured in a motor accident. For accidents from 1 December 2017, the Motor Accident Injuries Act 2017 sets the rules.

Where you were matters too. Crashes on public roads are the core of the scheme, but a car park open to the public or a driveway can also be covered, depending on how the vehicle was being used. A crash at a racetrack, or on private land with an unregistered vehicle, usually isn't. When the setting is unusual, get it checked before assuming either way.

Riders: solo crashes, gear and lane position

Arguments in rider claims tend to centre on where the bike was and whether it was visible. Lane position, moving between lanes of slow traffic, headlights and the driver's sightline all come up, and the road rules for motorcycles are detailed. Write down what you were doing and where, as precisely as you can, and have someone who knows those rules look at it before you accept a fault finding.

Broken bones, torn ligaments, nerve damage and head injuries are common in motorcycle crashes. Those are generally not threshold injuries, which matters for how long benefits run and whether damages may be possible. Make sure each doctor records every injury, not just the most painful one, and links it to the crash in their notes.

Read next:Motorcycle accident claims

If you were on a bike or e-scooter

Cyclists often assume they need insurance of their own to claim. They don't. The claim runs through the CTP insurance of the motor vehicle involved, so if a car, truck, bus or motorbike hit you while you were riding, it generally goes to that vehicle's insurer. Solo falls, collisions with other cyclists and crashes caused only by the road surface usually sit outside the scheme.

Where a shared path crosses a driveway or a car park entry, bikes and cars meet at an angle drivers don't always check. If a car pulling in or out hit you there, you may have a claim against its insurer. Photograph the path markings, any give-way signs and the view the driver would have had.

Read next:Cyclist accident claims

Crashes with trucks: what's different

Something falling from a truck, such as an unsecured load or a trailer coming loose, can be part of the truck's use or operation, so its CTP insurer may be responsible. Note the company name, any fleet number and the registration if you can. Company markings and the direction it was heading make a truck much easier to trace later.

Interstate trucks are a constant presence on the Hume, Pacific and Newell highways. A crash with one in NSW is generally still handled under the NSW scheme, though identifying the insurer can take longer. Make sure the claim records the truck's home state and the precise location, so the paperwork doesn't stall.

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Is it a motor accident? A quick guide

Generally, the CTP scheme covers injuries caused by the use or operation of a registered motor vehicle in NSW. Most crashes involving one are covered, whoever you were. The edge cases are technical, so if yours sits in the right-hand column, ask before ruling anything out.

Usually a CTP (motor accident) claim

  • A car, truck, bus or motorbike hit you while you were walking, riding or cycling
  • You were a pillion, or a passenger on a bus, in a taxi or in a rideshare car
  • Someone opened the door of a parked car into your path
  • An unsecured load or a loose trailer caused your crash (generally)
  • A driver forced you off the road without touching you (it turns on the evidence)

Often not a CTP claim: check first

  • You came off your bicycle and no motor vehicle played any part
  • An e-scooter or bicycle rider knocked you down on a footpath
  • You were hurt at a track day, race meeting or other closed-circuit event
  • A pothole or loose gravel was the only cause of your fall
  • A quad bike or unregistered trail bike on private land was involved

General information, not legal advice. Whether an incident is a motor accident depends on the facts. Time limits apply.

Walking, crossing and car parks: pedestrian claims

Not every pedestrian injury happens on a street. Shopping centre, station and hospital car parks are open to the public, and a person hit there by a car that is reversing or turning can usually claim. A vehicle rolling down a home driveway can also be a motor accident, sometimes involving a child and a family car. The details matter, so check before assuming you can't claim.

For an older person, being knocked down by a vehicle can mean weeks away from home and help with everyday tasks afterwards. Record what support they now need, from shopping to personal care. Age doesn't affect the right to claim, and a family member can help manage the claim if the injured person agrees.

Read next:Pedestrian accident claims

Buses, taxis, rideshare and delivery riders

A passenger thrown forward when a bus braked hard, or hurt when a taxi was hit side-on, has a motor accident claim in most cases. Write down the route or cab number, the time, and whether you were seated or holding a rail. Screenshot the rideshare trip if there was one. These records show you were on board and help identify the right insurer.

Delivery riders use bikes, e-bikes, scooters, motorbikes and cars, and a motor vehicle is often involved when they're hurt. A rider who is an employee and working at the time generally needs to claim workers compensation first, with a CTP damages claim against an at-fault driver still possible. Some platforms also carry their own injury cover, on terms that vary, so keep any policy you were given.

Read next:Rideshare and taxi accident claims

Evidence that matters for riders, cyclists and pedestrians

For crashes involving trucks, buses and rideshare cars, the operator may hold records you don't: onboard cameras, telematics, trip logs and driver hours. They aren't kept forever. Note the company, the route or fleet number and the time, and ask early. For passengers, a trip receipt or card record shows you were on board.

  • Helmet, handlebar or dashcam footage, saved as the original file
  • Your ride-tracking or GPS file from the day
  • Your damaged helmet and gear, kept unrepaired
  • A screenshot of the rideshare or delivery trip

Read next:At-fault self-check

Do you need a lawyer after a motor accident?

Many riders, cyclists and pedestrians run their own claim once it's clear the crash counts as a motor accident. Advice matters more when cover is questioned, several parties are involved or the injuries are serious. These lists are a rough guide.

Often worth talking to a lawyer

  • You were delivering or driving for a platform and aren't sure which claim comes first
  • A heavy vehicle was involved and several parties are pointing at each other
  • The insurer says your riding gear or helmet made your injuries worse
  • The crash happened near a state border and the scheme is unclear

You may not need one

  • You came off a bicycle alone and just need to confirm it isn't a CTP matter
  • Your injuries are healing and treatment is being approved
  • You were a bus or rideshare passenger and the insurer has accepted the claim

Recovery comes first. Ask us about doctors and allied health, including physiotherapists and psychologists, who understand motor accident claims and the Certificate of Fitness the insurer relies on.

Not quite your situation?

  • If you were inside a car when it crashed, whether driving or as a passenger, the car accident lawyer page covers fault for you. Car accident lawyer in East Killara
  • If the vehicle that hit you drove off or had no insurance, or you aren't sure what claim this is, start with the car accident claim page. Car accident claim in East Killara
  • If you already know it's a motor accident and just want to know whether a lawyer is worth it, see the CTP lawyer page. CTP lawyer in East Killara

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