Every registered vehicle in NSW must have CTP insurance — people usually call it a green slip. It exists to cover people who are injured in motor accidents: drivers, passengers, riders, pedestrians, and cyclists when a motor vehicle is involved.
It is not comprehensive car insurance. It does not fix dents, replace written-off cars, or cover your excess. It is injury cover — medical treatment, rehabilitation, and (where the rules allow) income support and other statutory benefits.
Which law applies to your accident?
For accidents on or after 1 December 2017, the main framework is the Motor Accident Injuries Act 2017 (MAIA) and regulations. Older accidents can fall under earlier legislation. Insurers and SIRA guidance refer to your date of accident — that date decides which rules apply.
This site gives general information only. It is not legal or personal medical advice. For your circumstances, read the latest material on the State Insurance Regulatory Authority (SIRA) website or speak to a lawyer.
What a “claim” actually is
In practice, a CTP claim is the process of notifying the relevant insurer, proving who you are and what happened, lodging the right forms, and giving the insurer enough medical information to decide what they will approve.
The insurer makes decisions about liability, treatment, and payments under the scheme. Your treating doctors and allied health provide reports and Certificates of Fitness so those decisions are based on a clear clinical picture.
Who the insurer is
Usually the claim is lodged with the CTP insurer of the vehicle that caused the accident. If the vehicle is unknown, uninsured, or outside NSW rules, different pathways apply (including the Nominal Defendant). SIRA and CTP Assist explain how to identify the correct insurer.
Been in an accident?
Book an appointment with one of our CTP doctors. We coordinate your care and handle the paperwork.
Official detail: SIRA motor accidents. CTP Assist: 1300 656 919.