Liverpool & Fairfield · Motor vehicle accident claims

Hit riding or walking in Rossmore? Motor accident lawyer

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

Road users outside a car face questions drivers rarely do. Does a solo motorbike crash count? Is a bicycle covered? What about an e-scooter, a bus or a delivery job? People from Rossmore can use our free claim check by phone or online to get plain answers, then be pointed to the right help, which is often simpler than they expect.

Postcode: 2557

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Which crashes count as a motor accident

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.

Rossmore road users and the CTP scheme

Cabramatta's John Street and Fairfield's shopping strips are crowded with people on foot. A pedestrian hit by a vehicle there generally claims against its CTP insurer, even if they don't drive. With Cumberland Line (Fairfield, Canley Vale, Cabramatta, Warwick Farm, Liverpool), Inner West & Leppington Line via Cabramatta and Liverpool, and Airport & South Line at Holsworthy 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 Bringelly Road or a side street, a crash with a motor vehicle is generally a CTP matter. If only the road surface brought you down, a cyclist usually has no CTP claim, though a motorcyclist's own Green Slip may still pay.

Busy places such as the Bringelly rural lands bring people on foot, cyclists and turning cars together. A pedestrian hit in a car park open to the public may still have a CTP claim, depending on the details.

Region
Liverpool & Fairfield
Postcode
2557
Transport in the region
Cumberland Line (Fairfield, Canley Vale, Cabramatta, Warwick Farm, Liverpool) · Inner West & Leppington Line via Cabramatta and Liverpool
Main roads
Bringelly Road · The Northern Road
Local landmarks
Bringelly rural lands
Nearest public hospital
Liverpool Hospital

Is what happened near Rossmore a motor accident?

The CTP scheme follows the vehicle, not the person. Every registered motor vehicle in NSW carries a Green Slip, and the policy responds to injuries the vehicle causes, whether the person hurt was inside it or not. So the question for a rider, cyclist or pedestrian is simple to ask but sometimes hard to answer: was a motor vehicle part of how you were hurt?

Getting into or out of a vehicle is a common grey area. If a passing car hit you as you stepped out, or your driver moved off while you were halfway out, the injury may come from the use of a motor vehicle. Whether it does depends on exactly what happened, so write it down while it's fresh and have it checked.

Trucks and heavy vehicles

When a truck is to blame, the injury claim is made to that truck's CTP insurer. Nothing about the scheme or its time limits changes because the vehicle was a heavy one. What can differ is the evidence. Many trucks carry forward-facing cameras, some record location and speed, and heavy-vehicle drivers may keep work diaries. None of it will necessarily exist, and it may not be kept for long.

If you think a truck's camera, its telematics or the driver's work diary would help show what happened, raise it early. Police may obtain some records during an investigation, and the insurer may request others. A lawyer can formally ask the operator to keep records, which matters because some are overwritten or discarded after a while.

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Pedestrians hit by a vehicle

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.

When a driver says you stepped out suddenly, video from a shop, a bus or a council camera may show otherwise. Ask the owner in writing to keep it, giving the date, time and exact spot. Do it quickly, or have someone do it for you while you recover, because many systems record over within days.

Read next:Pedestrian accident claims

Motorcycle riders and pillion passengers

A rider hit by a car or truck makes the same kind of claim a driver would, against the insurer of the vehicle at fault. A rider who came down alone isn't shut out either: the bike's own Green Slip may pay statutory benefits. For a rider found wholly or mostly at fault, those generally run for the first 52 weeks only, with no damages claim, which is still far from nothing.

Riding pillion puts you in much the same position as a car passenger. You weren't steering, braking or choosing the line, so the fault question is mostly about the riders and drivers involved. Your claim goes to the insurer of whichever vehicle caused the crash, which may be the bike you were on. It is made against the insurer, never the rider personally.

Read next:Motorcycle accident claims

Cyclists, e-bikes and e-scooters

Electric bikes are generally treated like pedal bikes for this purpose, so if a motor vehicle hit you on one, you claim against that vehicle's insurer. E-scooters are less settled. A car that hit you on a scooter still carries a Green Slip, but expect questions about where you were riding and the type of device. Check before accepting a refusal.

A helmet, lights after dark and your position on the road may all come up if the insurer says you contributed to the crash. Any reduction depends on evidence, including whether the missing item made an injury worse, and it generally shrinks a claim rather than ending it. Turning drivers are generally expected to give way to riders in a marked bike lane.

Read next:Cyclist accident claims

Buses, taxis, rideshare and delivery riders

Rideshare and taxi drivers are in a different position from their passengers. Many rideshare drivers are engaged as contractors rather than employees, which can make CTP their main path after a crash: statutory benefits from the at-fault vehicle's insurer, or their own vehicle's if they caused it. It depends on the actual arrangement, so have it checked before lodging.

Food and parcel delivery puts riders on busy roads for long hours. When a car hits one, the claim may go to that car's CTP insurer. A rider working as an employee at the time usually claims workers compensation first, so the details of the arrangement matter. Platform insurance, where it exists, has its own terms and doesn't necessarily replace either claim.

Read next:Rideshare and taxi accident claims

Evidence by road user

For pedestrians, the key evidence is usually outside your control: shop, station, bus and council cameras, and dashcams in passing cars. Ask for footage in writing as early as you can. Witnesses who saw where you were crossing matter too. A police report and the ambulance record complete the picture of where and how the vehicle hit you.

  • Your damaged helmet and gear, kept unrepaired
  • Written requests for shop, station or bus footage
  • A screenshot of the rideshare or delivery trip
  • Names and numbers of witnesses who stopped

Read next:At-fault self-check

Riders, pedestrians and passengers: when a lawyer helps

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 truck or bus operator's records may matter and need to be kept
  • The crash happened near a state border and the scheme is unclear
  • The insurer says your riding gear or helmet made your injuries worse

You may not need one

  • What you need first is a doctor to treat and record your injuries
  • You only need help working out which insurer to contact
  • You came off a bicycle alone and just need to confirm it isn't a CTP matter

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 driving or a passenger in a car and the question is who caused the crash, the car accident lawyer page fits better. Car accident lawyer in Rossmore
  • 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 Rossmore
  • 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 Rossmore

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