St George & Bayside · Motor vehicle accident claims

Not in a car? A motor accident lawyer for Turrella

Came off, knocked down or hurt as a passenger? Start with whether it counts as a motor accident.

Riders, cyclists and pedestrians often have little between them and the vehicle, so injuries can be serious. That makes the right claim path matter. We're not a law firm. For people around Turrella, we check whether your crash falls within the CTP scheme, which insurer is involved, and whether an independent lawyer should look at it.

Postcode: 2205

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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.

Motor accidents near Turrella: the local picture

Forest Road and the streets around Hurstville station carry heavy foot traffic. A pedestrian knocked down there by a car or bus has a motor accident claim in most cases, made to that vehicle's insurer. Near Turrella station, buses pull in and out, taxis and rideshare cars stop briefly, and people cross between them. Injuries in that mix are often motor accidents, so note the vehicle's registration or route number. On Henderson Street 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.

If you were hurt near Wolli Creek Regional Park, ask nearby businesses, and the venue if there is one, to keep camera footage. It's often kept only briefly, and it can show how a vehicle and a person on foot or on a bike met.

Region
St George & Bayside
Postcode
2205
Getting around
Turrella station
Main roads
Henderson Street · Bayview Avenue
Local landmarks
Wolli Creek Regional Park · Turrella Reserve
Nearest public hospital
St George Hospital

The motor accident test, in plain terms

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.

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.

Hurt on a bus, in a taxi or while delivering

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

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Ring (02) 7238 7379 or send us the basics online. There's no charge and no obligation, and we'll tell you whether the CTP scheme covers your crash.

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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

Cyclists, e-bikes and e-scooters

Dooring is one of the more common ways cyclists are hurt in busy streets. A car door opened into your path is generally part of using that car, even while it's parked, so the injury claim goes to its CTP insurer. Before the car leaves, record its plate and who opened the door, and photograph the door and where you fell.

E-scooters raise a question of their own. A scooter isn't covered by CTP insurance itself, so if a scooter rider knocked you down on a footpath, a CTP claim is unlikely and another path may apply. If a car hit you while you were on a scooter, a claim against the car's insurer may still be possible. Have the specific facts checked.

Read next:Cyclist accident claims

Motorcycle riders and pillion passengers

Missing or inadequate gear can become an argument: the insurer may claim a particular injury would have been less serious with proper protection. Where the evidence backs that up, contributory negligence can reduce the claim by a percentage. If the rider is found more than 61% at fault, the damages claim is lost, and statutory benefits are generally limited to the first 52 weeks. Keep damaged gear unrepaired, and photograph it from every side.

When a pothole, oil or loose gravel is the only reason a rider came down, there is usually no other vehicle's Green Slip to claim against. The rider's own bike insurer may still pay statutory benefits. Any complaint about how a road was maintained sits outside CTP, with its own rules and time limits, so get advice early if that's your situation.

Read next:Motorcycle accident claims

Trucks and heavy vehicles

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.

Injuries from a crash with a heavy vehicle are often serious: fractures, head injuries and injuries to the spine. Medical evidence needs to cover every injury, and early legal advice can be worth having because more parties and more records are involved. That doesn't mean you need a lawyer to lodge, only that the file can become complex.

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 ride-tracking or GPS file from the day
  • Photos of the crossing, lane markings or bike lane
  • Your damaged helmet and gear, kept unrepaired
  • Written requests for shop, station or bus footage

Read next:At-fault self-check

A motor accident lawyer: when it's worth a call

The CTP scheme covers most road users, but the edge cases are where people get stuck. If the insurer says your crash isn't a motor accident, or your working arrangement complicates things, advice is often worth having.

Often worth talking to a lawyer

  • The insurer says your crash wasn't a motor accident at all
  • The insurer says your riding gear or helmet made your injuries worse
  • A driver forced you off the road without contact and denies it
  • Your injuries include fractures, a head injury or nerve damage

You may not need one

  • You only need help working out which insurer to contact
  • You were a bus or rideshare passenger and the insurer has accepted the claim
  • You came off a bicycle alone and just need to confirm it isn't a CTP matter

Riders, cyclists and pedestrians often have several injuries at once. We can point you to doctors and allied health who work with CTP claims and can record each one on the Certificate of Fitness.

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 Turrella
  • If you're not sure what kind of claim you have, or the vehicle drove off or wasn't insured, the car accident claim page sorts that out. Car accident claim in Turrella
  • 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 Turrella

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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.

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