Can I claim CTP if a car hit my bike?

Where a registered motor vehicle caused or contributed to your injuries, the CTP scheme can generally apply, even though your bicycle itself is not insured under the scheme. The details depend on your circumstances, so it is best to check SIRA or speak with a solicitor.

Does it matter if I was not wearing a helmet?

Circumstances like helmet use can be relevant to how a claim is assessed, but this is a legal question rather than a medical one. It is worth checking SIRA or speaking with a solicitor, and we can still assess and document your injuries in the meantime.

What if my injuries seemed minor at first?

Some injuries from a cycling collision, such as concussion or soft tissue damage, are not always obvious straight away. It is worth having your injuries assessed by telehealth or in person where appropriate so that anything you notice is documented early.

How soon should I lodge a claim after a cycling accident?

Acting promptly is generally worthwhile, as the scheme has time limits and claims served within 28 days can have certain benefits backdated. Checking SIRA early can help you understand the time frames that apply to your situation.

Claim scenarios

Injured as a Cyclist Hit by a Car

General guidance and telehealth support for cyclists injured by a motor vehicle who are dealing with a CTP claim in NSW.

Book an appointment (02) 7238 7379

Overview

Cyclists are among the more exposed road users, and a collision with a car can leave you with injuries even at relatively low speeds, from fractures to head and soft tissue injuries. A bicycle itself is not a registered motor vehicle and does not carry CTP insurance, which can leave riders unsure about where they stand after being hit by a car. This page explains, in general terms, what being injured as a cyclist can mean for accessing medical care under the NSW scheme.

Key points

A bicycle is not a registered vehicle, but the driver's CTP insurance can still be relevant
What matters is generally whether a motor vehicle caused or contributed to your injuries
Helmet use and other circumstances can be relevant and are best discussed with a solicitor
Acting promptly matters, as claims served within 28 days can have certain benefits backdated
Check SIRA and consider legal advice for your specific situation

Your situation

Work out where you stand

Start the check (02) 7238 7379

How we help

CTP Doctor is a medical service, not a law firm. We focus on the medical side, assessing your injuries by telehealth across NSW, or in person where appropriate — your doctor confirms which suits your injury — providing the certification the scheme requires, and documenting the impact on your work and daily life. Where appropriate, we coordinate physiotherapy, psychology and exercise physiology to support your recovery. Legal questions about how the collision is assessed are best directed to SIRA, and if you would like to speak with a solicitor, we can introduce you to an independent solicitor — no referral fees, no arrangement between us, the choice is yours.

What this means

Where a registered motor vehicle is involved in a collision with a cyclist, the CTP scheme can generally apply to the injuries caused, even though the bicycle itself is not part of the scheme. What matters is whether a motor vehicle caused or contributed to your injuries, and the details of your claim depend on the specific circumstances of the collision. These rules are specific and can change, so it is important to check SIRA and consider seeking legal advice. This is general information only and not advice about your particular claim.

This is general information, not legal advice — for the scheme rules check SIRA, and for legal questions speak to a solicitor.

Frequently asked questions

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