Why you need a specialist CTP lawyer:
You can make a claim without a lawyer, but here’s how our lawyers can help you get more compensation.
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No win no fee guarantee.
Find out where you stand.
Over 99% success rate.
Maximum compensation.
Injured on the road? Start here.
Compensation for motor vehicle and road-related injuries in NSW is paid through the CTP scheme. If you’ve been injured and you’re not sure where to start, you’re in the right place.
Can I claim motor vehicle accident compensation?
If you’ve been injured in a motor vehicle accident in NSW and had any time off work or treatment expenses, it’s likely you can claim compensation. If you’re not sure, you can call 13 15 15 and speak with one of our car accident lawyers. It’s a free service.
My claim was denied or benefits were cut off, what can I do?
Many of our clients come to us because they’ve had a claim rejected, or they disagree with a CTP insurer’s decision on their claim. Our motor vehicle accident lawyers may be able to raise a dispute with the insurer on your behalf, and we win over 99% of our cases.
How will Law Partners get me more compensation?
We don’t just process claims. We’ll match you with a specialist motor vehicle accident lawyer, build a personal relationship with you and your family, and look beyond your obvious injuries to claim absolutely everything you’re entitled to, including any lump sums you may not have been told about. This makes a big difference to the amount of compensation you receive.
What will making a claim cost me?
You can call us and get free advice over the phone. And if you need help with a dispute, in many cases we can recover our fees from the CTP insurer so there’s nothing for you to pay. If we’re helping you claim a lump sum, we’ll cap our fees and handle your claim on a no-win, no-fee basis, so there’s nothing for you to pay unless we win and you receive your lump sum.
Our motor vehicle accident lawyers are here to help.
For more specific information about your claim type, click below.
Drivers and passengers can claim.
Car
Drivers and passengers may also be entitled to workers compensation.
Truck
Riders and pillion passengers can claim.
Motorcycle
Claim through the at-fault vehicle’s CTP policy.
Cycling
Bus, train or ferry accidents.
Public transport
Crossing a road or on a footpath.
Pedestrian
How a CTP claim works:
The NSW CTP (green slip) scheme provides benefits to anyone injured in a motor accident, plus lump sums for not-at-fault drivers with more serious injuries. Lodge your application within 28 days to receive your full entitlements.
15,053
NSW claims submitted, 2025
$1.78 billion
Paid in benefits
~$118k
Average per claim
What to do after an accident:
For a full walkthrough of lodging your claim, the timeframes and what to expect, read our complete CTP claims guide →
What does CTP compensation cover?
Statutory benefits – regardless of fault.
- Income support
- Medical and treatment
- Rehabilitation
- Home and domestic care
Common law lump sum – non-threshold injuries (which means more serious injuries), not-at-fault.
- Pain and suffering
- Past and future income loss
- Loss of earning capacity
Even if you were partly at fault, you may still be entitled. Try the CTP calculator →
100% RISK-FREE CLAIMS
No win, no fee, no surprises.
- No win, no fee, and no disbursements
- Capped fees
- In many cases we can recover your legal fees from the CTP insurer
- Initial advice is free
How your claim runs:
1. Free claim assessment
Speak with one of our specialist road accident injury lawyers and get clear advice about what you can claim.
2. Our team will build your case
We’ll gather all the relevant evidence, medical records and expert reports needed to support your claim.
3. We manage your claim
We’ll lodge your claim and challenge any decision if your benefits or entitlements are unfairly denied.
4. Receive your compensation
Once your road accident claim is resolved, your compensation and benefits will be paid directly into your account.
Why choose Law Partners?
A specialist on your side.
We’ll match you with a specialist motor accident lawyer and their team.
We uncover what others miss.
We uncover entitlements others overlook, like medical assessment errors that can reduce your payout.
Treatment funded early.
We work to get your treatment and rehab funded quickly, so you’re not left out of pocket.
It costs nothing to find out.
No win, no fee. Your first call is free, and if we don’t win your claim, you don’t pay anything.
Watch our clients’ inspirational stories.
Motor vehicle accident FAQs.
How long does a CTP claim take?
Once you submit your CTP claim it will be reviewed by the CTP insurer of the at-fault vehicle, which must send you a letter within one month to tell you if it’s accepting or denying the claim. If it accepts the claim, the insurer will then start making fortnightly payments to you.
The CTP insurer will send you a second liability decision within three months of your claim being lodged. This liability decision indicates whether your injuries have been classified as threshold or non-threshold and who’s at fault for the accident.
If your motor accident injury claim is successful:
- You should receive 95% of your pre-accident earnings for the first 14 weeks.
- Your payments will drop to 80-85% of your earnings after week 14.
- Income benefits will generally stop at 52 weeks if you were the driver mostly at fault or your injuries are below threshold.
- However, if your accident happened prior to April 1 2023 and you were at fault, income benefits will stop after 26 weeks.
- Income support stops at 24 months – to receive support beyond that, you’ll need to submit a separate application for a lump sum (an Application for Damages under Common Law).
To learn more about receiving all your entitlements, read our Car Accident Claims Guide.
What can you claim on CTP insurance?
CTP claims can include medical treatment costs, rehabilitation expenses, lost wages during recovery, and in serious cases, lump sum payments for permanent impairment and pain and suffering.
How do I lodge a CTP claim?
Here’s a general overview of how to claim CTP insurance in NSW:
- Obtain a certificate of capacity/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 (otherwise, your wage payments will be recoverable from the date the application was lodged)
- 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
For a more detailed explanation of how to claim CTP in NSW, please refer to this guide to lodging your application.
How do I dispute a CTP insurance claim?
You can request an internal review by the insurer first, then escalate to the Personal Injury Commission if needed. The good news is that for many disputes, you can engage one of our specialist CTP lawyers at no cost to you because the insurer pays your legal fees.
My benefits have been cut off. What can I do?
If your 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 injuries, and you’ve reached the twelve-month limit for personal injury benefits.
- Your injuries were assessed as above 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 (IIR)
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:
- Arrange an independent and binding decision by an expert assessor.
- Facilitate the understanding of issues between insurers and injured persons to mutually resolve these disputes.
Backed by a specialist team.
Our motor accident lawyers are supported by paralegals, medico-legal experts, forensic accountants and barristers.
Do I have a case?
Our senior lawyers will assess your case for free. Please fill out all fields.
Learn more:
Rory’s RSL car park injury leads to a CTP payout of $1.2 million.
What started as a simple lunch with a friend turned into a life-changing injury for Rory. But with Law Partners by his side, Rory’s compensation story ended on a positive note with a CTP payout of $1.2 million. Around midday, Rory had driven to his favourite RSL club to catch up with his best mate […]
CTP Claims Process – What You Need to Know.
Before you lodge your application for personal injury benefits, take a few minutes to understand the CTP claims process in NSW, what you might be entitled to, and how your application will be assessed. CTP […]
CTP Common Law Claim – How to Claim Your Lump Sum.
If you’ve been injured in a motor vehicle accident in NSW, you can claim personal injury benefits to cover your losses including lost wages, treatment, and care expenses. But if your injuries have been assessed […]
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