Cyclist CTP Claim
Cyclist CTP Claim
Cyclists are at a higher risk of injury than other road users. Injuries can range from minor cuts and bruises to more serious injuries such as broken bones, head injuries and spinal cord injuries.
Physiotherapy is an important part of the recovery process for cyclists who have been injured in an accident. It can help to reduce pain, improve mobility and strength, and prevent further injury.
If you have been injured in a cycling accident that was caused due to a motor vehicle, you may be entitled to compensation through a CTP claim.
CTP insurance is compulsory for all registered vehicles in Australia and provides cover for personal injury claims arising from motor vehicle accidents.
It’s crucial for an injured cyclist to lodge a CTP claim as soon as possible. To support your claim, it always best to have details of the motor vehicle that caused the accident.
If you were unable to get hold of the motor vehicle which caused the accident, you may still be able to lodge a CTP claim. You will need to provide evidence and details of the your injuries, medical treatment received and receipts for medical expenses.
This can be done by firstly visiting your GP and have your injuries assessed. Ask your GP for a medical certificate stating your injuries arising from the cycle vs motor vehicle accident. Visit your Physiotherapist to have your injuries assessed and treated. And you also need to lodge a report with NSW Police who will issue you with an event number.
Common cycling accident injuries that qualify for a CTP claims:
- Broken collar bone or separated shoulder
- Fractures
- Broken or bruised ribs
- Cuts and abrasions
- Head or brain injury
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 cycling accident injuries like bruising, cuts, and abrasions, but not fractures. Threshold injuries include musculoskeletal conditions such as general muscular pains due to the accident.
- Above-threshold injuries are more serious cycling injuries which include fractures, head or brain injuries, or injuries that require surgery.
How do I claim my full cycling accident compensation entitlements?
- Report the accident to the police. This is important, as you’ll need a police event number to claim your 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 or bike camera footage can be especially helpful with cycling accident 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 paramount your GP lists all of your symptoms on your medical certificate, 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 provide in clinic sessions in our Parramatta clinic
- We also provide mobile Physiotherapy services for CTP claims.
- 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 Physiotherapy treatment? Experienced team of Physiotherapists with essential knowledge. You can call us anytime to have a confidential discussion with our expert 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.
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