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WINNER Personal Injury Law Firm of the Year
Australia's Largest Specialist Personal Injury Firm

Australia's Largest Specialist Personal Injury Firm^

WINNER Personal Injury Law Firm of the Year

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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We’re rated 4.9 from 1095 reviews1.
Woman Injured in Car Accident Seeking CTP Injury Claim

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No win no fee guarantee.

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Find out where you stand.

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Over 99% success rate.

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Maximum compensation.

Man calling insurer after car accident to make a CTP claim

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 CTP lawyers are here to help you with:

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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.

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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.

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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

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Find out how much you can claim.

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What 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.

Category Entitlements
1. Threshold (minor) injury
  • Income support, medical and home care expenses for up to 12 months.
2. Non-threshold injury
  • Income support, medical and home care expenses that can extend beyond 24 months if there is a claim for damages.
  • A lump sum for past and future lost income.
3. Non-threshold injury over 10% permanent impairment
  • An additional lump sum for pain and suffering.

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 13 15 15 for free advice on how to make sure you get your full entitlements.

*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.

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Tell us about your claim.

Speak to one of our friendly CTP laywers today and find out if you can claim.

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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.

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We’ll offer to start your CTP claim.

We’ll explain how we can claim all your CTP compensation and give you our ‘no win no fee’ guarantee. You decide if you want to proceed – there’s no obligation.

Watch our clients’ inspirational stories.

Sasha's story

There’s nothing scarier than hearing the news that your family has been involved in an accident.

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.

Lydia Wheatley is a Managing Solicitor at Law Partners. Her practice area is Motor Accident Injury and Personal Injury.

Lydia Wheatley

Practice Group Leader

The best thing about being a personal injury solicitor is also the thing that drives and motivates me to be the best I can be and that’s the opportunity and ability to positively change the life of someone in need.

Get to know Lydia

Minaa Mohmand is a Senior Associate at Law Partners. Her speciality practice area is motor accident injury.

Minaa Mohmand

General Counsel

A great personal injury Solicitor will exhaust every avenue possible to maximise a client’s compensation entitlements. This is the Solicitor I strive to be for every one of my clients.

Get to know Minaa

Tanja Maksimovic is a Managing Solicitor at Law Partners. Her practice areas are Personal Injury and Motor Accident Injury law.

Tanja Maksimovic

Practice Group Leader

My professional approach is to establish open and honest communication with every client in order to build trust. I want every client to have confidence in me that I’ll do whatever it takes to ensure they receive maximum compensation.

Get to know Tanja

Roger Firth is a General Counsel at Law Partners. His practice areas are Medical Negligence, Motor Accident, Public Liability and Workers Compensation.

Roger Firth

General Counsel

Injured Australians seeking compensation deserve a thorough solicitor. And a thorough solicitor is someone who never cuts corners and will properly map out the road to collecting the right evidence to give their client the best chance of achieving an ultimate outcome.

Get to know Roger

Gillian Potts is a special counsel at Law Partners. She specialises in medical negligence, motor accident injury, public liability and workers compensation.

Gillian Potts

Special Counsel

Being a calm-natured and patient person, I find that the best way to help my clients with their claims is to first focus on listening to them and understanding their needs, and then set about fulfilling those needs and exceeding their expectations.

Get to know Gillian

Bill Cortese is a Managing Solicitor at Law Partners. He specialises in motor accident injury, public liability and TPD.

Bill Cortese

Managing Solicitor

As Managing Solicitor, I pride myself on being an expert communicator and a resourceful negotiator. These are the attributes necessary to turn a good outcome into an optimal outcome.

Get to know Bill

Sarah Starnovsky is a Solictor at Law Partners. Her practice area is motor accident injury.

Sarah Starnovsky


I always look to establish a strong rapport with the client from the opening meeting to ensure they feel comfortable expressing any concerns or questions going forward. It’s so important that my clients know from the outset that there’s no such thing as a silly question.

Get to know Sarah

CTP claim FAQs.

  1. You’ll need a police event number – you can get this by calling 131 444 or going to a police station.
  1. Obtain a certificate of fitness from your General Practitioner.
  1. Lodge an application for personal injury benefits on the CTP insurer of the vehicle mostly at fault for the accident.
  1. You have 28 days after the date of the accident to lodge this application to get back-payment for any lost wages.
  1. The final deadline for lodging your CTP claim is three months from the date of the accident.
  1. 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)
  • Muscle injury without tears
  • Sore back
  • Whiplash
Non-threshold (fractures, organ damage)
  • Broken arm
  • Head or brain injury
  • Injuries that require surgery

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 physical injuries are for more serious injuries like fractures. They also include nerve injuries, injuries that require surgery, brain injuries and major scarring.
  • 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.

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:

  1. 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.

  1. 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.

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.

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We’ll match you with a CTP lawyer who specialises claims like yours.

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We’ll build a personal relationship with you and your family to make sure we understand the true impact of your injuries.

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Your CTP claim legal team will check in with you regularly and always keep you up to date with your case.

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We win over 99% of our cases 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.

Find out more about CTP claims.

Choose Empathy

As a personal injury law firm, we see first-hand every day the psychological damage that a lack of empathy can cause. So we’re committed to promoting more empathy in the world, and sharing stories of the positive impact it can have.

Meet some of the people whose stories inspire us
Father Chris Riley's Youth off the streets.