Can I claim if my friend or family member was driving?

As a passenger you may be able to make a CTP claim even when a friend or relative was driving, as the claim relates to the vehicle's insurance rather than the person. Many people find this difficult, but it is a normal part of how the scheme works. The details depend on your circumstances, so it is best to check SIRA.

Does it matter which driver caused the accident?

As a passenger you are generally not at fault, and a claim may be possible regardless of which driver was responsible. The exact handling depends on the circumstances and the scheme, so checking SIRA or speaking with a solicitor can clarify your position.

I was in a taxi or rideshare — can I still claim?

Passengers injured in a taxi, rideshare or other vehicle may be able to make a CTP claim in the same way as other passengers. The vehicle involved has CTP cover, and the relevant rules depend on the circumstances, so it is best to check SIRA.

How soon should I lodge a CTP claim as a passenger?

It is generally best to lodge promptly, as the scheme has time frames that can affect access to benefits. Checking SIRA for the current requirements helps you avoid missing a deadline. We can begin your medical assessment while you organise the claim.

Who can claim

Injured as a Passenger in a Motor Vehicle Accident

Telehealth support for passengers injured in a motor vehicle accident who are dealing with a CTP claim in NSW.

Book an appointment (02) 7238 7379

Part of: CTP claims guide

A passenger seen through the side window of a car

Overview

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.

Common injuries

Whiplash and neck injuries
Back and spinal injuries
Seatbelt-related chest and rib injuries
Knee and lower limb injuries
Head injuries and concussion
Shoulder injuries
Psychological effects such as travel anxiety

Coverage check

Check if you're covered

Check eligibility (02) 7238 7379

How we help

We assess your injuries by telehealth, provide the medical certification the scheme requires and document the impact on your work and daily life. Where appropriate, we coordinate physiotherapy, psychology and exercise physiology to support your recovery. We help you navigate the relevant paperwork and notifications so the process is clearer. Our focus is the medical side; questions about liability and compensation are best directed to a solicitor.

CTP eligibility

Passengers are generally able to access CTP support because they are not in control of the vehicle, and a claim may be possible regardless of which driver was at fault. Even so, eligibility and the way a claim is handled depend on the circumstances and the scheme, so it is important to check SIRA and lodge promptly. We do not provide legal advice; questions about entitlements are best directed to SIRA or a solicitor.

Rules vary by circumstance and injury — confirm your situation with SIRA.

Key points

A claim may be possible regardless of which driver was at fault
Passengers are generally not responsible for how the vehicle was driven
Lodging a claim promptly can help avoid issues with time limits
Early medical documentation supports your claim
Check SIRA for current scheme rules and entitlements

Other claimant types

Injured as a Driver in a Motor Vehicle Accident Injured as a Pedestrian by a Motor Vehicle Injured as a Cyclist by a Motor Vehicle

Frequently asked questions

Part of the guide

This guide is part of CTP Claims in NSW: The Complete Guide

Next step

See a CTP doctor about it

Often seen within the week. Telehealth across NSW, or in person where appropriate. No claim number needed to start.

Book an appointment (02) 7238 7379