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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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Industry Experts: 20+ years of experience

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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;

  1. Complete our FREE case assessment form HERE
  2. Email us at info@garlingandco.com.au
  3. Give us a call on (02) 8518 1120

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

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.

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

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Ray H.
07:33 13 Jun 24
Matthew Garling and Team are kind, patient, polite, professional, empathetic and efficient. I was treated terribly by the at fault insurer. Garling and Co. had my back. Matthew gently and patiently... kept me up to speed on all the steps to go through. From my personal experience I recommend these guys. They are safe hands. Thank you team.read more
Jo L.
05:58 07 May 24
So very impressed with the professional team who looked after me throughout the last 4 and 1/2 years. A special mention to Kerry and Nathan who navigated each request to fight for my right to gain... access to further treatments and physio and to ensure medical treatment would be covered moving forward. I was so grateful I could hand it all over to you and not have to go through this very challenging time without your support.I thank you for the compassion you have provided to me, from the first contact with Matthew and Natasha, to finalisation with Kerry and Nathan.I highly recommend the team at Garling and Co for any third party compensation claims. You are in good hands with them all.read more
Linda O.
21:53 06 May 24
Emma, Rebecca and the team at Garling and Co have worked diligently throughout my workers compensation claim. The level of professionalism, support and communication has been faultless. Of particular... note has been the sensitivity displayed to me throughout the lengthy process. Worker’s compensation claims are complex and not easy to navigate, particularly when you are unwell. I do not hesitate to recommend Garling and Co to help you find a way through this otherwise unfathomable system.read more
Keith H.
20:51 23 Apr 24
After my case stalled with another firm, I decided to give Matthew Garling a call. He took my case and not only won, but achieved an outcome that far exceeded my expectations. This firm is the best... in the business in my opinion and I wouldn't hesitate to recommend them to anyone.read more
Anthony T.
00:50 16 Apr 24
Thank you Matthew and his team who guided me through the legal process, a truly positive experience with total professionalism.
Mikaele N.
03:01 15 Apr 24
Garling &Co Lawyers were awesome, I called every compensation law firm and was told that I couldn't claim for compensation.The whole experience and process was simple and stress free.Mr Matthew... Garling and Allison deserve an accolades for the very best in client service. I would highly recommend their service to anyone.read more
Tamara L.
02:10 15 Apr 24
I want to thank Garling & Co so much for all the help they have given me and helped with my claim. We got the win last week and it was the best news I have gotten considering how much my life has... been turned upside down the past 2 years. Emma and Rebecca have been incredible to work with and explained everything from the start even when I had hesitation to go ahead regarding how much everything would cost or how fair it could go or even if I had a chance, but they explained everything thoroughly, so I understood it all. Thank you for making this process seamlessly easy and helping me get the win it will make things a little easy for me that's for sure financial thank you for all your help I cannot recommend you and your services enough. Thank you again.read more
Sigrid W.
05:01 11 Apr 24
Utter professionalism from first phone call to final settlement. It was a pleasure to be represented by a firm that actually cares for their clients. From office staff, to paralegal and solicitor... Rebecca, Emma and Matthew thank you for your support and expertise throughout my claim. No wonder your firm has won many awards. I'm extremely happy with my outcome and can confidently recommend your firm.read more
BJ S.
01:09 09 Apr 24
Highly recommend Matthew & Allison at Garling and Co ! Quick response ! helpful every step of the way ! If you want the best compensation lawyer, Matthew @ Garling and co is the bestDoesn’t waste... time. Very informative ! excellent guidance! They get the job done ✅Website is perfect guide5 Star ⭐️ is not enoughI’m so grateful to Matthew, Allison and team for my outcome so far !Thank you 😊 Garling and co are awesome 👏 🤩read more
Jaimie K.
06:11 02 Apr 24
Have had a rollercoaster ride with Garling and Co over the several years we have been battling the system that injured workers are faced with. The wheels of progress are slow within this system.... However Garling and co have always stood by me. Calls are returned and matters are always followed up in a timely manner.read more

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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