Sasha's story
There’s nothing scarier than hearing the news that your family has been involved in an accident.
CTP lawyers NSW.
More personal, more compensation.
If you’re making a CTP injury claim, our CTP lawyers can make sure you’re getting your full benefits and any lump sums you’re entitled to.
There’s no cost to get advice from a CTP lawyer at Law Partners, Australia’s largest specialist personal injury firm.
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When you make a CTP injury claim, the insurer that pays your compensation assesses your application and decides how much to pay you. But your situation is unique, and your injuries may have led to other health issues and complications that weren’t picked up in your medical assessment.
Our CTP lawyers can review your claim and tell you if you’re entitled to more compensation. And when you choose Law Partners, you can be sure our CTP lawyers will work hard to get you more compensation, backed by our no win no fee, no disbursements guarantee.
Our car accident lawyers are here to help you with:
Free advice before you submit your claim.
To get your full entitlements, it’s critical that your application is filled out correctly, and that your injuries are properly assessed on your certificate of fitness.
Help if you disagree with the insurer’s liability notice.
If the insurer has classified your injuries as ‘threshold’ (minor), but you disagree with the decision, we can review it for you and provide free legal advice on your options.
Claiming a lump sum settlement.
If your injuries are non-threshold and you weren’t at fault in the accident, it’s very likely you can claim a lump sum settlement, and these lump sums can be substantial. Our CTP lawyers are highly skilled at winning lump sum settlements, and we win over 99% of our cases.
Call 13 15 15 or chat to us now for free advice
Chat nowFind out how much you can claim.
Get startedWhat CTP compensation can I claim?
If you were at fault in the accident, you can claim CTP injury compensation for up to 12 months*. If you weren’t at fault, your benefits could extend to 24 months and beyond, and you might be entitled to significant lump sums.
| Entitlements | |
|---|---|
| 1. Threshold (minor) injury |
|
| 2. Non-threshold injuries |
|
| 3. Non-threshold injury over 10% permanent impairment |
|
It’s vital that your injuries and their impact on your life are thoroughly assessed, and that’s where our CTP lawyers can make a big difference to your claim. Call
*Note: if you were at fault and your accident happened before April 1, 2023, your income support, medical, and home care expenses will be limited to six months.
How to start your CTP claim.
Tell us about your claim.
Speak to one of our friendly CTP lawyers today and find out if you can claim. It’s a free service for you.
We’ll get to know you.
Your CTP lawyer will ask more questions and get to know you personally to work out everything you’re entitled to.
We’ll offer to start your claim.
We’ll explain how we can claim all your CTP compensation and give you our ‘no win no fee’ guarantee. The choice to proceed is yours.
CTP claim FAQs.
- You’ll need a police event number – you can get this by calling 131 444 or going to a police station.
- Obtain a certificate of fitness from your General Practitioner.
- Lodge an application for personal injury benefits on the CTP insurer of the vehicle mostly at fault for the accident.
- You have 28 days after the date of the accident to lodge this application to get back-payment for any lost wages.
- The final deadline for lodging your CTP claim is three months from the date of the accident.
- Note that this application doesn’t cover any lump sum payments you might be entitled to – you need to apply for these separately.
Your benefits will be largely based on your medical assessment in your certificate of fitness, which determines whether your injuries are classified as minor or non-minor. This is the most critical part of your application. It’s strongly advised to get advice from a CTP lawyer before you lodge your claim to make sure you’ve done it correctly and you don’t miss out on benefits you’re entitled to.
Your benefits are based on your medical assessment and whether your injuries are classified as threshold (minor) or non-threshold. Threshold injuries are “soft-tissue” or muscle injuries; non-threshold injuries are more serious injuries like fractures or injuries that affect your organs.
| Physical Injury Classification | Examples |
|---|---|
| Threshold (soft tissue injuries) |
|
| Non-threshold (fractures, organ damage) |
|
In NSW, lump sum CTP claim payouts (common law damages) are available to people with non-threshold injuries who are not at fault.
- Lump sum payouts for non-threshold psychological or psychiatric injuries cover diagnosed psychological or psychiatric illnesses such as depression or post-traumatic stress disorder (PTSD), as well as a range of others.
- Lump sum payouts for non-threshold physical injuries are for more serious injuries like fractures. They also include nerve injuries, injuries that require surgery, brain injuries and major scarring.
If your CTP claim benefits are being cut off by the CTP insurer, there could be a few reasons why:
- The insurer has determined that you’re no longer entitled to receive benefits as you’re capable of returning to work or your injuries have resolved.
- Your injuries were assessed as threshold, and you’ve reached the 12-month limit for personal injury benefits.
- Your injuries were assessed as non-threshold, and you’ve reached the maximum weekly payment period.
There are two steps you can take to dispute an insurer’s decision to cut off your benefits:
- Request an Insurer Internal Review (IRR)
If you request an IIR, it means you disagree with the insurer’s decision to reduce or cut off your benefits and you’re asking them to review your case file again. The letter you receive from the insurer will outline their reasons for cutting you off. You need to address each one of these reasons in your request for an IIR.
- Escalate the dispute to the Personal Injury Commission (PIC)
In most circumstances, you need to request an IIR before you can take your matter to the PIC. The PIC will assist in one of two ways:
- Facilitate the understanding of issues between insurers and injured people to mutually resolve these disputes.
- Arrange an independent and binding decision by an expert assessor.
Watch our clients’ inspirational stories.
Krielynd's story
Without the support of a family unit by her side, young Krielynd’s life spiralled out of control due to an accident that was no fault of her own.
Stephanie's story
Humiliation, fear and extreme uncertainty clouded Stephanie’s thoughts following a devastating car accident that turned her world upside down.
You’re in safe hands with our CTP lawyers.
Our CTP lawyers are backed by a team of specialists including paralegals, medico-legal experts, forensic accountants and barristers. So you’re in safe hands with Australia’s largest specialist personal injury firm.
Why should I choose Law Partners?
Caring for our clients drives everything we do – that’s why thousands of Australians every year choose Law Partners.
We’ll listen and match you with a CTP lawyer who specialises in claims like yours.
We’ll build a personal relationship with you and your family to make sure we understand the true impact of your injuries.
Your CTP legal team will check in with you regularly and always keep you up to date with your case.
We win over 99% of our cases, offer a ‘no win no fee’ guarantee, and pride ourselves in winning more compensation.
Do I have a case?
Our senior lawyers will assess your case for free. Please fill out all fields.
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