CTP Motor Accident Injury Management
CTP Motor Accident Injury Management
CTP (Compulsory Third Party) insurance is a type of insurance that provides coverage for personal injury claims arising from a motor vehicle. This includes cars, trucks, motor bikes, cyclists and pedestrian accidents. Any accident caused due to a motor vehicle is usually covered under a CTP Claim. Cyclists can lodge a CTP claim if they are injured in an accident involving a motor vehicle. If you’ve been injured on your motor bike or scooter by being hit, slipping or falling or a another driver failing to give way, a close pass, it’s likely you can lodge a CTP claim.
Benefits:
- Accurate documentation and reporting of injuries for your GP and health care team
- Early identification of physical injuries
- Structured rehabilitation coordination with your GP and allied health team
- Insurer-compliant reporting
Conditions Managed:
- Neck pain, Whiplash and spinal injuries
- Upper and lower limb injuries
- Spinal injuries: Back pain, neck pain, Thoracic pain
- Chronic pain
- Complex musculoskeletal injuries
- Shoulder and limb injuries
Clinic and and Home Visits:
- Yes, Physiotherapy home visits are covered under a CTP claim where they are clinically appropriate.
- Depending on the injury, pre approval from the insurer may be required
- Home-based physiotherapy can be particularly beneficial for people who have difficulty travelling to a clinic due to their injuries, mobility limitations or other accident-related restrictions.
- Depending on the circumstances of the claim, pre-approval from the insurer may be required before home visit services can commence.
Uber Driver / Ride Share Accident Claims
If you’ve been injured in a motor vehicle accident while working as an Uber driver, Uber Eats rider, DiDi driver, Menulog courier, DoorDash or any other type of ride share driver, you may be entitled to treatment and support through a CTP claim.
At Physiotherapy Professionals Parramatta, we assist ride share and delivery drivers recovering from motor vehicle accidents by providing physiotherapy, rehabilitation, and guidance throughout the CTP claims process.
Whether you were driving a car, riding a motorcycle, or delivering food on a scooter, early treatment can help reduce pain, improve recovery, and get you back on the road safely.
Common Uber Driver Accidents:
Getting knocked off your bike or slipping on a wet surface is the most common scenario for motor bike and scooter riders. A driver was too close to the bike and caused them to get knocked off their motor bike, resulting in an injury. Or the road was slippery and you lost balance and fell off your bike. You should see your GP and lodge a CTP claim for personal injury benefits as soon as you can. This will allow for lost wages and essential medical treatment to start sooner rather than later.
Hit and run accidents:
If you’ve been knocked off your bike in a hit-and-run accident in NSW, where the driver failed to stop and can’t be traced, you may still be able to claim bike accident compensation. The NSW CTP scheme allows you to apply for compensation from the ‘Nominal Defendant’ where the at-fault vehicle can’t be identified.
When can you lodge a CTP Claim for a bike accident?
In NSW, it’s likely you can lodge a CTP claim if you meet the following two conditions:
- There was a car or another motor vehicle involved in your cycling accident
- You’ve had time off work to recover, been admitted to hospital, or incurred any medical or treatment expenses due to the accident
- The NSW CTP scheme is a no fault scheme. Even if you were at fault or partly at fault, you may still be able to lodge a CTP claim and receive essential treatment.
Common injuries seen under CTP claims:
- Broken collar bone or separated shoulder
- Fractures
- Broken or bruised ribs
- Cuts and abrasions
- Head or brain injury
- Muscle injuries
- Post surgical cases
- Neck and back pain
Threshold Injuries
Your injuries will be classified as ‘threshold’ or ‘above threshold’, and this classification will determine how your claim is assessed.
- Threshold injuries are less serious injuries like bruising, cuts, and abrasions, but not fractures. Threshold injuries include musculoskeletal conditions such as general muscular pains due to the accident.
- Non threshold injuries are more serious injuries which include fractures, head or brain injuries, or injuries that require surgery.
I’ve had an accident, what do I do?
- Report the accident to the police if you have been seriously injured. This is important, as you’ll need a police event number to claim certain entitlements. This can also depend on the insurer, not all insurance companies will require you to provide a police event number.
- You’ll need details of the vehicle involved to identify the CTP insurer. However, you can still lodge a CTP claim provided you have other evidence to substantiate your claim.
- Keep records of any witnesses and photos of the accident scene. Helmet, bike camera footage, dash cam footage can be helpful with lodging CTP claims
- See your GP and get a full medical assessment. Even if you don’t need to go to hospital, it’s important to get a medical assessment as some injuries can worsen over time, and if your injuries do worsen you might need time off work or further treatment. It’s important to tell your GP about all of your symptoms, regardless of how minor the symptom may be. Symptoms can worsen days or even weeks after the accident.
- If you need any time off work or treatment, submit an ‘application for personal injury benefits’. This will allow you to receive 80-95% of your lost wages, covered by the CTP claim.
- It’s important to submit your claim within 28 days of the accident to be eligible for your lost wages to be backdated to the date of the accident. The final date for lodgement is three months from the date of the accident.
Physiotherapy Treatment for CTP Claims:
- Physiotherapy treatment is covered under your CTP claim with no out of pocket charges to the patient
- We directly bill the insurer once you have been issued with a claim number
- We have a team of experienced Physiotherapists at our Parramatta clinic
- We also provide mobile Physiotherapy services for CTP claims.
- Mobile sessions are reserved for more serious accidents involving surgery and fracutres
- We are passionate about helping patients reach their pre injury levels.
- Reach out to us if you have any questions.
Contact Us:
Do you need assistance with your CTP Claim? We are an experienced team of Physiotherapists specialising in the treatment of CTP Claims. You can call us anytime to have a confidential discussion with our Physiotherapists. For more information on how we can further assist you, please call our clinic number on 0479 080 800 or send us an email on [email protected] for further details. Our Physiotherapists are Medicare, NDIS, and Work Cover approved, specialising in injury management and rehabilitation to get you back on track.
Physiotherapy After A Car Accident
