Two questions come up after almost every crash: what should I be doing now, and do I need a lawyer? The first answer is much the same for everyone. Get treated, keep records, and lodge your claim on time. The second depends on your injury and on what the insurer decides. For people in Lismore, our free claim check covers both, and there's no obligation to take any step we suggest.
Northern Rivers & Clarence · Personal injury lawyer help
Injured near Lismore? Personal injury lawyer basics
What a lawyer will ask you, and the everyday records that help you answer.
Postcode: 2480
- Free claim check, no obligation
- By phone & online, no office to visit
- Helping people in Lismore & Goonellabah
After a crash near Lismore: where your records begin
Lismore Base Hospital, Grafton Base Hospital, Ballina Hospital or Byron Central Hospital may have treated you. Ask for the discharge summary and keep it with your diary. Before the crash, getting to the Lismore CBD may have been nothing. If it is now a task you avoid or need help with, record it with the date. That is exactly the kind of detail a claim relies on. Lismore is about 595 km from the Sydney CBD, but claim help shouldn't cost you a trip anywhere. The claim check, and most dealings with a lawyer, can happen by phone and online, which leaves your energy for treatment.
- Region
- Northern Rivers & Clarence
- Postcode
- 2480
- Local landmarks
- Lismore CBD · Lismore Quadrangle
- Nearest public hospital
- Lismore Base Hospital
- From the Sydney CBD
- ~595 km
Is it time to talk to a lawyer about your injury?
A lawyer can't speed up your recovery, but can help when your injury and the insurer's view of it don't line up. Use these lists as a rough guide, then check your own situation with us for free.
Often worth talking to a lawyer
- An offer has arrived and you can't tell whether it reflects your injury
- Forms, certificates and insurer requests are piling up while you recover
- New symptoms have appeared and the insurer doesn't accept they came from the crash
- The insurer says your symptoms come from an old injury, not the crash
You may not need one
- Your symptoms have settled and you expect no lasting effects
- You're back to your usual work and routine
- Your question is a general one that CTP Assist can answer
If your injury has changed, or you're not sure your treating team has the full picture, a fresh look can help. We can suggest doctors and allied health who know CTP and the Certificate of Fitness.
Not quite your situation?
- Hurt at work, or in a crash while you were working? That is usually a workers compensation claim first, which is a different scheme from CTP. Tell us what happened and we can point you to the right help. Free claim check
- If you are still working out what kind of claim covers your injury, and what compensation means, the compensation lawyer page starts there. Compensation lawyer in Lismore
- If your question is how to check a solicitor and what the relationship involves, see the personal injury solicitor page. Personal injury solicitor in Lismore
- For a serious injury, and how its severity is measured in a claim, the injury compensation lawyer page goes further. Injury compensation lawyer in Lismore
How injury claims work in NSW
People search for a personal injury lawyer after all sorts of accidents, but the rules depend on the kind of accident. For a motor vehicle crash in NSW, the claim is made to a CTP insurer, and the scheme sets what can be paid and when. That is our focus. The guidance below is about looking after yourself and your records, which matter whichever way a claim goes.
Read next:What a CTP claim is
Work, home and the things you can't do now
The effect of an injury on your life is a large part of any claim, and it's often the least recorded. Time off shows up in payslips. What doesn't show up is the lifting you now avoid, the shifts you swapped, the sport you stopped, or the help you need with children or shopping. Note these as they happen, with dates, in plain words.
Self-employed or working casually? Your records matter even more, because there may be no payslip showing what you've lost. Keep invoices, the jobs you turned down and any work you handed to someone else. Working out lost earnings is the insurer's job, and a lawyer's if it's disputed, but both will need your records to do it.
Injuries that improve slowly, or get worse
It's common to feel worse a few weeks after a crash than on the day itself. Adrenaline wears off, and stiffness or pain can build. Other problems, such as numbness, dizziness or trouble concentrating, may take time to show. Mention each new symptom to your GP at the next visit rather than waiting to see if it passes, and put the date in your diary.
Don't tidy up your records
Keep your notes plain and honest, with good days included. An accurate record carries more weight than one that looks as if it was written for the claim.
Read next:Injuries after a car accident
What to write down, photograph and keep
You don't need to be organised about it, just consistent. A notebook, a folder on your phone and an envelope for receipts cover most of this list. Start with whichever item feels easiest.
- Receipts for medicines, treatment, aids and travel to treatment
- Photos of visible injuries, taken again every week or so as they change
- A short symptom diary: pain, sleep and mood, a line or two a day
- Notes of calls with the insurer: the date, who you spoke to and what was said
- Activities you have stopped or cut back on since the crash
- Everyday tasks you now need help with, and who is helping
General information, not legal advice. Your records support a claim; they don't decide it. Time limits apply.
Free claim check
Hurt in a crash? Check where your claim stands
Tell us what you've recorded so far and what the insurer has said. A short, free conversation usually makes the next step clearer.
The medical side of an injury claim
Medical records are the backbone of an injury claim. In NSW CTP claims your doctor completes a Certificate of Fitness, which records your injuries and your capacity for work. Keep each one, check it lists all your injuries, and arrange your next visit before the current certificate runs out. If something is missing, raise it with your doctor rather than the insurer.
If the insurer arranges its own examination
An examination with a doctor the insurer picks is generally worth attending. Describe your symptoms accurately, then make a short note of what happened while it is fresh.
Read next:The Certificate of FitnessInsurer medical examinations
How to choose a lawyer if you need one
Useful questions for a lawyer are simple ones. Have you run many NSW CTP claims? Who will I deal with most of the time? How will you tell me what's happening, and how often? What will you need from me? Listen for plain answers. A lawyer who explains things clearly at the start is more likely to keep doing so.
Notice how a lawyer treats you before you sign anything. Did they listen to your account, or jump to conclusions? Did they explain what they don't know yet? Did they mention that some claims don't need a lawyer at all? Early signs like these tell you a lot about the working relationship ahead.
Read next:Choosing a CTP lawyer
The first questions a lawyer will ask
Expect to be asked what happened, in your own words, and what has happened since. The lawyer is listening for the things that shape a claim: the date, whether someone else caused the crash, how serious the injury looks and whether the insurer has already decided anything. If you don't know an answer, say so. A guess causes more trouble later than a gap does.
- When and where did it happen?
- Who else was involved, and in which vehicles?
- How is the injury affecting your work and home life?
- Have you signed anything about the accident?
Read next:What to do after a car accident
When to get in touch
Get in touch when something changes: a new symptom, a letter from the insurer, a return to work that isn't working, or an offer you're unsure about. Those are the points where advice tends to matter. Many people simply want someone to confirm they're on track, which is a good reason too. We'll tell you honestly if you don't need a lawyer.
Read next:What help do I need? Quick check
Frequently asked questions
It can. Insurers may look at public posts, and a photo of you at a family barbecue can be misread even if you paid for it with a bad night afterwards. You don't have to go silent, but it's sensible to check your privacy settings, avoid posting about the accident or the claim, and think about how a post might look to someone who doesn't know you. If in doubt, leave it off.
Any harm to your body or mind caused by the accident. That includes obvious injuries, like fractures or cuts, and less visible ones, like soft tissue damage, concussion, ongoing pain, anxiety or post-traumatic stress. Psychological injuries can be part of a CTP claim in their own right, not only alongside a physical one. Tell your GP about every symptom, physical and emotional, so each one is recorded and linked to the crash.
See your GP, describe exactly what has changed and when, and make sure the record links it to the crash. Keep your symptom diary going. If you've already lodged a claim, tell the insurer about the change and send any new certificate. If you haven't lodged yet, do it without further delay and ask about the time limits for your situation. What a worse injury means for your entitlements is worth checking with us.
Photos help, particularly for bruising, cuts, swelling, scars and anything that changes as it heals. Take them soon after the accident and again every week or so, with the date recorded. Keep the originals on your phone or computer rather than edited copies. Photos of aids you now use, like a brace or crutches, can help too. They support your medical records; they don't replace them.
It's a lawyer whose work is claims for people who have been hurt. The label covers a lot of ground, from road accidents to falls. After a NSW motor accident, the relevant work is a CTP claim, and what the lawyer does depends on the stage: sometimes a single piece of advice, sometimes running the whole claim. Many CTP claims never need one, and the claim check tells you whether yours does.
Age doesn't stop you claiming. Older people can take longer to recover, and a crash can aggravate existing conditions such as arthritis, which makes clear medical records especially important. Weekly payments are based on what you were earning before the accident, so they may not apply if you weren't working, but treatment and care can generally still be claimed. Rules can vary with circumstances, so check your own situation.
Personal injury lawyer: suburbs near Lismore
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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.