Claim scenarios

CTP claim scenarios

Every accident is different. Here’s how a CTP claim generally works across some of the situations people ask about most, and what to watch for.

Free claim check (02) 7238 7379

Damage to the front of a car after a collision

At-Fault Driver Claims
If you caused, or partly caused, the accident that injured you, it's easy to assume you have no claim at all. That's rarely true under the N…
Learn more
Uninsured or Unidentified Vehicle
Every registered vehicle in NSW is required to carry CTP insurance, but not every driver on the road follows that requirement, and not every…
Learn more
Pre-Existing Condition Aggravation
A surprising number of CTP disputes come down to this: the insurer says your ongoing pain isn't from the accident, it's from something you a…
Learn more
Fatality and Dependency Claims
Losing a family member in a car accident is one of the hardest things a family can go through, and the last thing anyone wants to think abou…
Learn more
Multiple-Vehicle Accidents
A three-car rear-end chain or a full motorway pile-up raises a question a simple two-car crash doesn't: which driver's CTP insurer is actual…
Learn more
Pedestrian Hit by a Car
Being hit by a car as a pedestrian is frightening, and often happens fast enough that the details are hazy afterwards — which is exactly why…
Learn more
Cyclist Hit by a Car
Cycling accidents involving a motor vehicle are, unfortunately, one of the more heavily disputed types of CTP claim — not because cyclists a…
Learn more
Motorcycle Accidents in NSW
Motorcycle riders are over-represented in serious road injuries, and the claims that follow tend to reflect that: more complex damages claim…
Learn more
E-Scooter or E-Bike Accident
E-scooters and e-bikes sit in a newer, fast-changing part of NSW law, and the rules can differ depending on the device and whether it's priv…
Learn more
Passenger in a Friend's Car
One of the most common reasons people don't pursue a CTP claim they're entitled to is that the driver was a friend, partner, or family membe…
Learn more
Rideshare or Taxi Passenger Accident
As a fare-paying passenger in an Uber, Didi, or taxi, you're in the same position as any other passenger when it comes to a CTP claim — you'…
Learn more
Child Injured in a Car Accident
If your child was injured as a passenger, pedestrian, or cyclist in a motor vehicle accident, the CTP scheme has provisions specifically des…
Learn more
Rear-End Collision
Being rear-ended is one of the more common ways people end up with a CTP claim, and fault is usually the more straightforward part: the foll…
Learn more
Accident While Pregnant
Being in a car accident while pregnant brings understandable extra worry, on top of everything else you're dealing with. A CTP claim works i…
Learn more
Accident on a Learner or P-Plate
Being a learner or P-plate driver doesn't put you outside the CTP scheme — the same statutory benefits and common law damages rules apply to…
Learn more

A woman on a phone call, listening intently

Free claim check

Get your CTP claim checked

Denied, cut off, disputed, or just not sure what you're entitled to? Tell us what's happened and we'll talk it through in plain English.

We look at where your claim is up to — the insurer's decisions, the time limits, and what's in dispute.
If your case calls for a lawyer, we can connect you with an independent specialist CTP lawyer. You choose whether to go ahead.
If what you need is treatment rather than a lawyer, we'll say so — and refer you to a doctor or allied health provider.
Free, with no obligation. Many claims never need a lawyer — if yours doesn't, we'll tell you.

Start my free claim check When a CTP lawyer usually matters Doctors & allied health

Prefer a call back?

Leave your name and number and we'll call you to talk through where your claim is up to.

CTP Lawyer is not a law firm and doesn't give legal advice. General information only — the independent lawyer you speak with can advise on your situation.

CTP claim scenarios

At-Fault Driver Claims

Uninsured or Unidentified Vehicle

Pre-Existing Condition Aggravation

Fatality and Dependency Claims

Multiple-Vehicle Accidents

Pedestrian Hit by a Car

Cyclist Hit by a Car

Motorcycle Accidents in NSW

E-Scooter or E-Bike Accident

Passenger in a Friend's Car

Rideshare or Taxi Passenger Accident

Child Injured in a Car Accident

Rear-End Collision

Accident While Pregnant

Accident on a Learner or P-Plate

Get your CTP claim checked