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NSW Motor Accident Compensation
NSW CTP Claim Eligibility Check
Receive compensation under the NSW CTP scheme, driver, passenger, pedestrian or cyclist.
If you've been hurt in a motor accident anywhere in NSW, you can lodge a CTP (Green Slip) claim through Service NSW. Most claims qualify for at least 6 months of statutory benefits regardless of fault, plus lump-sum compensation for serious injuries. Time limits apply, police report within 28 days, claim within 3 months.
- CTP scheme, administered by SIRA
- Income support up to 95% of pre-injury wages
- Lump-sum damages for >10% impairment
- Free legal representation in disputes via IRO
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Information for every state and territory
Australia-wide
Plain-English guides to the compensation schemes in each Australian state and territory.
NSW motor accident compensation, explained
New South Wales runs a hybrid no-fault / fault scheme called Compulsory Third Party (CTP) / Green Slip, regulated by State Insurance Regulatory Authority (SIRA). Anyone injured in a motor accident in NSW, driver, passenger, pedestrian or cyclist, can claim weekly income support and medical expenses for the first 26 weeks regardless of fault. Beyond that, ongoing benefits and lump-sum damages depend on your percentage of fault and your level of impairment.
Average NSW CTP claim values
Published 2025 SIRA data puts the average NSW motor accident claim at $118,000, though the range is wide. Minor injuries with quick recovery may settle for $20–60k. More serious soft-tissue and orthopaedic injuries typically settle in the $80–250k range. Catastrophic injuries are covered by the separate Lifetime Care and Support Scheme (LTCS), which provides treatment, care and equipment for life.
Key NSW timeframes
- 28 days: Report the accident to NSW Police to preserve full backdated benefits
- 3 months: Lodge the formal CTP claim with Service NSW or the at-fault insurer
- 26 weeks: Statutory benefits review point, fault and impairment assessed
- 20 months: Earliest you can pursue a common-law damages claim for serious injuries
- 3 years: Limitation period for common-law damages claims
What a NSW CTP lawyer does for you
When you submit an enquiry on CompoCheck, it is sent to the advertising law firm for NSW motor accident claims. A NSW personal injury lawyer can assess your eligibility, gather medical evidence, calculate your full statutory and common-law entitlements, deal with the insurer on your behalf, and (where eligible) apply for IRO-funded representation so legal costs don't come out of your pocket.
Cities and regions covered
Information on this page applies to accidents anywhere in NSW, including Sydney metropolitan, Newcastle/Hunter, Wollongong/Illawarra, Central Coast, the Northern Rivers, Tamworth and Coffs Harbour, Wagga Wagga and the Riverina, Canberra/Queanbeyan border, and regional NSW.
NSW CTP claim FAQs
Plain-English answers to the most common questions about lodging a NSW motor accident claim.
Reviewed by CompoCheck Editorial Team · Last updated
How do I make a CTP claim in NSW?
Lodge through Service NSW or by calling CTP Assist on 1300 656 919. You'll need: a Certificate of Fitness from your GP, the at-fault vehicle's registration, a police event number (report within 28 days for full backdated benefits), proof of any income loss, and medical receipts. The claim is then assigned to the at-fault vehicle's CTP insurer (NRMA, AAMI, GIO, QBE, Allianz or Youi).
How long do I have to lodge a CTP claim in NSW?
Report the accident to police within 28 days to preserve full backdated benefits. Lodge the formal CTP claim within 3 months of the accident date for prompt processing, late claims may still be accepted but benefits only run from the lodgement date. Common-law damages claims (for serious injuries) have a 3-year limitation.
What can I claim under NSW CTP?
Statutory benefits include up to 95% of pre-injury earnings (capped), reasonable and necessary medical and treatment expenses, attendant care services for serious injuries, and travel costs to treatment. For more than 10% whole-person impairment, you can claim lump-sum damages for non-economic loss (pain and suffering) and economic loss (past and future income, care). The Lifetime Care and Support Scheme (LTCS) covers catastrophic injuries.
I was at fault, can I still claim CTP in NSW?
Yes, the NSW Motor Accident Injuries Act 2017 provides defined statutory benefits for at-fault drivers for the first 26 weeks (income support and treatment). Beyond 26 weeks, ongoing benefits and lump-sum damages typically require you to be 10% or less responsible for the accident. Even if you think you were at fault, lodge a claim, fault assessments often differ from initial impressions.
How much does it cost to use a lawyer for a NSW CTP claim?
Legal costs are capped under the Motor Accident Injuries Act 2017. Many Australian personal injury firms offer no-win-no-fee arrangements; ask any firm you contact for its costs agreement before committing. If you receive a settlement, legal costs are deducted in line with the regulated cost scale, with much of it recoverable from the insurer. The Independent Review Office (IRO) funds free legal advice for injured people in disputes, ask the firm you contact whether your matter qualifies.
Can I get a free legal review of my rejected CTP claim?
Yes. The IRO Approved Lawyers Scheme funds free legal advice and representation for injured people whose CTP claim has been disputed or partly accepted. Ask the law firm you contact whether it is an IRO Approved Lawyer and whether your matter qualifies.
How your NSW CTP claim gets handled
Enquiries you submit are sent to the advertising law firm for your state and claim type.
- 01
Take the 30-second survey
Answer a few simple questions about your injury. No legal jargon, just the facts.
- 02
Your enquiry goes to an advertising law firm
Your enquiry goes to a law firm that advertises on CompoCheck for your state and claim type.
- 03
The firm contacts you
The firm can discuss your situation with you directly. Whether you go further is up to you.
Check if you may have a claim.
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