Who can make a CTP claim?
If you were injured in an NSW motor vehicle accident, you may be able to access the CTP scheme — whichever way you were using the road.
Drivers
This covers people who were driving a vehicle when a motor accident happened, whether in their own car, a work vehicle or someone else's. Drivers often face a mix of physical injuries and the practical stress of being unable to drive or work. A key feature of the NSW CTP scheme is that certain defined benefits may be available regardless of who was at fault, at least for an initial period. We focus on assessing your injuries and supporting your claim with clear medical documentation.
Passengers
This covers people injured while travelling as a passenger, whether in a car, taxi, rideshare, bus or other vehicle. Passengers are generally not responsible for how a vehicle is driven, which can make their position relatively straightforward. A passenger may be able to claim regardless of which driver was responsible for the accident. We focus on assessing your injuries and supporting your claim with clear medical documentation.
Pedestrians
This covers people injured on foot when struck by a vehicle, including at crossings, in car parks and along roadsides. Pedestrians are vulnerable road users and often sustain more serious injuries because they have no protection in a collision. The CTP scheme generally covers people injured by a vehicle, including pedestrians. We focus on assessing your injuries and supporting your claim with clear medical documentation.
Cyclists
This covers people injured while riding a bicycle when struck by a vehicle, including on roads, at intersections and in shared traffic. Cyclists are vulnerable road users and can sustain significant injuries from being thrown from the bike or struck directly. The CTP scheme generally covers people injured by a vehicle, including cyclists. We focus on assessing your injuries and supporting your claim with clear medical documentation.
Motorcyclists
This covers people injured while riding a motorcycle or scooter in a road accident, whether involving another vehicle or a single-vehicle crash. Motorcyclists have little physical protection and often sustain more severe injuries, including fractures and multiple injuries. The way the CTP scheme applies depends on the circumstances of the accident. We focus on assessing your injuries and supporting your claim with clear medical documentation.
Rideshare Drivers
This covers rideshare, taxi and hire-car drivers injured in a motor vehicle accident while working. As well as the injury itself, these drivers face the loss of income that comes from being unable to drive. Because the accident happened while working, there can be an overlap between CTP and other arrangements, which is worth exploring. We focus on assessing your injuries and supporting your claim with clear medical documentation.
Eligibility depends on the circumstances of the accident and your injuries. We can assess and treat you and handle the medical documentation — for the official scheme rules, check SIRA.