Compulsory Third Party (CTP) Lawyers

If you are injured in a car accident, you may be able to make a CTP claim to obtain compensation for any injury sustained in the accident. A CTP claim is for personal injury only. Any damage to the car itself is claimed through the other driver’s property motor vehicle insurance or if they don’t hold such insurance, from your own comprehensive motor vehicle insurer.

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5-Star Client
 Rating

Free Case
Assessments

Industry Experts: 20+ years of experience

No Win No Fee Guaranteed

How to claim CTP

To make a CTP claim, you will need to follow these simple steps:

Obtain the drivers and registration details of the car at fault.
Take photos of the accident scene and damage to both vehicles.
Record the contact details of any witnesses to the accident.
Report the accident to the NSW Police within 28 days and obtain an event number. If the Police didn’t attend the scene call them on 131 444 and report the accident and obtain an event number.
Do not admit you were at fault and do not blame anyone else of being at fault
Visit your doctor for treatment and ensure the doctor records;
- That the injury was sustained in a car accident
- The body part/s injured in the accident, even if only minor/ All injuries major or minor should be recorded in the clinical notes.
Complete an Application for Personal Injury Benefits within 28 days. This can be found on the SIRA website HERE

Are there time limits when it comes to making a ctp claim?

You have 28 days form the date of the accident to complete the Application for Personal Injury Benefits. If you don’t complete the form with 28 days you can do so up to 3 months late.

You must also notify the Police within 28 days of the car accident and obtain an Event number. If the Police didn’t come to the scene of the accident it can be reported by phone on 131 444.

Other issues

When making your CTP claim, it is important that you:

Do not give a statement to an investigator appointed by the insurer without speaking to an Accredited Specialist in Personal Injury Law.
Do not settle your claim without consulting an Accredited Specialist in Personal Injury Law. Insurers make low initial offers to see if they can resolve claims cheaply.

The CTP claims system in NSW is complex and you should obtain the assistance of a lawyer who is an Accredited Specialist in Personal Injury Law. You will not have to pay any legal costs until the claim is finalised, and if you do not get the compensation you will not be charged legal fees (No Win No Fee).

If you need assistance with the CTP claims process, please do not hesitate to contact our lawyers as follows;

Complete our FREE case assessment form HERE
Email us at info@garlingandco.com.au
Give us a call on (02) 8329 9500

For further reading, review our Motor Vehicle Compensation Claims Success guide here.

The Claims Process:

Obligation free meeting with Accredited Specialist in Personal Injury Law
Understand what you are entitled to, the process and timeframe
Proceed on a No Win No Fee basis
Your case is built using the best experts to achieve the optimum result
Your will be kept updated throughout the process
We will secure the financial result in the shortest possible timeframe

Would you like assistance with your claim?

Complete our free, no obligation confidential case assessment form and we’ll get back to you within 24 hours.

Alternatively, we are available to talk by phone and email. Please contact our experienced accredited specialist personal injury lawyers to find out how we can help.

Call now to start your claim 02 8329 9500

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You won’t be required to pay any fees until we win your case.

Industry Experts

We’re industry experts with over 20 years of experience.

Maximum Compensation

Our team of expert injury lawyers will help you get maximum compensation.

Graeme M.

04:22 29 Oct 25

Matthew Garling and his team have been excellent in dealing with my case. I am very happy with the result and the process to guide me through everything over the last two years. Most importantly... happy with the payout. Highly recommend if you’re thinking of claiming for an injury caused by another party.read more

Melanie F.

00:20 18 Oct 25

3 years ago, I got injured at work and at first I was denied getting any help from a certain insurance company so I looked up lawyers that could possibly help me getting what I was entitled to and I... am so glad Garling and co took on that responsibility to help me,I still have some way to go but Kerry Byrnes and her team have gone above and beyond for me I am so grateful I had her in my corner,I highly recommend Garling and co I don’t know where I would be now if not for guidance and understanding THANKYOU Kerry and team I am 1 happy customerread more

steve J.

00:38 29 Sep 25

Brilliant Service and I am always kept well informed. Definitely recommend this law firm to anyone seeking compensation lawyers. I really appreciate and thank Matthew and his wonderful team for their... incredible and sincere hard work they have put in for my case in the last couple of years. My family and I are blessed and very satisfied with our outcome. God Bless you Matthew Garling and your team.read more

Mark W.

10:50 17 Sep 25

Garling and Co. are an exceptional outfit. Matthew Garling is a talented lawyer and supported and surrounded by a great team of people including Allison Luck and others. What made Matthew... particularly impressive with my case were his ability to communicate complex legal processes and simplify options for the next steps, his genuine interest in the law, and his passion to seek appropriate compensation on my behalf. He was not ready to settle my case until I was ready to settle the case. I am very grateful to have had Garling and Co. 'in my corner' and would not hesitate to recommend this business to others.read more

Elyce

22:22 06 Sep 25

I never imagined this chapter would close, but it finally has.I cannot thank Joelle enough for the incredible support she gave me during one of the most challenging times in my life.Her... professionalism and genuine care throughout my claim process exceeded all my expectations.Whenever I contacted Garling and Co to speak with Joelle, I was assisted by Lynn. She was always polite, clear, and concise, and consistently showed empathy whenever I called or emailed.read more

Anonymous 1.

22:02 04 Sep 25

I was referred to Garling & Co Lawyers, after previously retaining another law firm who failed to progress my matter for a period verging on three years.This was extremely frustrating and damaging,... causing me a lot of unnecessary stress and unreasonable delays. After my first conference with Matthew, he understood the challenges that I had faced and that I wanted to resolve my matter with the defendant reasonably and in a timely manner.My matter was resolved at mediation and during the process, Matthew and Dallas Morgan (barrister), professionally communicated the procedure to me and they negotiated a reasonable settlement, that I was comfortable in accepting.Thank you to Matthew and Allison for being patient with me during the most challenging time of my life. I can now move on with my life and heal. Had I not retained Garling & Co Lawyers, I highly doubt my matter would ever have been resolved.read more

Sammy R.

01:07 04 Sep 25

Garling and Co have been the best lawyers. Kerry and Matthew have worked and been working on my case for a long time now. They have worked so hard and fought for my case every step of the way. They... are highly experienced in what they do, and are compassionate at the same time. I highly recommend this firm. My life changed in an instant when I was hit by a car, I will be forever grateful for the help they've given me. 10/10read more

Donelle L.

20:37 11 Aug 25

So very happy with the service Garling has provided with both of my claims from the start to the end cannot thank them enough Mathew and the team are the best

Rachel J

01:46 09 Aug 25

The level of service that Garling & Co provides is truely unmatched.Thank you to both Matthew and Allison for your professionalism & dedication throughout my journey of being a client.Matthew... provided me with genuine, factual and straightforward advice throughout the process and this made things easy to understand and put any uncertainty I had to rest. A complicated process ran smoothly and I always felt supported, knew where things were at and that I was in good hands.The communication at Garling & Co is exceptional. Every question I had, whether by email or phone was responded to in a timely manner and at every stage I was confident Matthew would be guiding me through the next steps - which he did, until my case was finalised.Thank you for upholding clients dignity and respect, these are values people like me need in such critical times of their lives. As a client, it is clear these values shine through. You provided me with a safe space where I was able to focus on my day to day challenges caused by my injuries, while you took care of the legal aspect on my behalf.Lastly, I’m grateful for your commitment to the work that you do and the care that you provide to people who find themselves in unfortunate circumstances beyond their control. And thank you so much for the very positive outcome that I received.read more

Ros P.

07:12 29 Jun 25

Staff polite, clear and concise. Explained well in a logistical manner. Overall a great service.

Frequently Asked Questions

1. What is the scheme for people injured in motor vehicle accidents in NSW?

If you get injured in a motor vehicle accident in NSW, you can claim personal injury compensation under the Compulsory Third Party (CTP) Scheme. This scheme is governed by the Motor Accident Injuries Act NSW (2017) (MAIA), and SIRA oversees such claims.

SIRA is the statutory corporation that regulates the Motor Accidents Scheme, provides guidelines to insurers for handling of claims and provides dispute resolution assistance between insurers and people injured in motor accidents.

2. What do I do if the insurer asks an investigator to take a Statement from me?

As part of the investigation process, the CTP insurer will appoint an investigator to speak to the drivers of the vehicles and all witnesses. It is likely they will contact you to provide a statement as to the circumstances surrounding the accident and the nature and extent of your injuries.

You should provide a statement to the investigator; however, you should only do so with the assistance of a lawyer. You need to be careful what you say in the Statement as this can be used against you.

The information contained in the statement must be accurate and relevant. Often insurance investigators can put their spin on your words in completing the statement, and you need to be careful with how the statement is worded. If possible, you should have a lawyer assist you in completing any statement provided to the insurer or their investigator.

3. How to claim your ctp green slip refund

A Green Slip is an insurance policy, linked to a motor vehicle that provides compulsory third party (CTP) Personal Injury Insurance. This insurance covers you or the person driving your vehicle if the driver of your vehicle causes injury to someone else.

An injured person claims against the CTP Insurance of the vehicle which they consider caused the accident or if only one vehicle involved the CTP insurance of that vehicle

CTP insurance is compulsory and is taken out when registering a Motor Vehicle in NSW.

CTP insurance does not cover damage to your car or other motor vehicles, and it only covers personal injury.

4. What is the MCIS Levy?

All green slips now show the MCIS (Medical Care and Injury Services) Levy, as a separate item on the green slip.

The levy is payable to fund the Lifetime Care and Support Scheme (LTCS). The LTCS Scheme provides medical care, treatment, rehabilitation, attendant care to the catastrophically injured in car accidents such as severe spinal cord injury, or traumatic brain injury.

The levy is an additional payment on top of the CTP insurance to cover the care for those people catastrophically injured in Motor Vehicle Accidents.

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