A car accident can disrupt everything – your health, your work, your routine. It’s not just the physical injury that takes a toll, but the emotional and financial stress that follows. In the aftermath, many people settle their Compulsory Third Party (CTP) insurance claims too quickly – often unaware of what they’re truly entitled to.
Start with the essentials:
- Check for injuries – Seek medical attention for yourself and others as soon as possible.
- Call 000 – If anyone is seriously injured, or if there is major property damage.
- Move to safety – If it’s safe, move your vehicle to prevent further risk.
- Report the accident to police – If there are injuries, deaths, or significant damage, notify police. If they do not attend, report it via the NSW Police Assistance Line (131 444) within 28 days.
Accurate evidence makes a difference in the outcome of your claim.
- Exchange details – Collect names, addresses, driver’s licence numbers, vehicle registration, and insurer information from everyone involved.
- Take photos – Document vehicle damage, road layout, skid marks, injuries, and weather conditions.
- Get witness details – Ask bystanders for their contact information.
- Write down key facts – Time, date, location, and anything unusual.
Important: Don’t admit fault. Liability should be assessed based on the facts – not emotions or offhand comments made at the scene.
Injuries aren’t always obvious. Many emerge days later.
- Visit your GP or hospital – Be thorough when describing your symptoms, even minor ones.
- Ask for a Certificate of Capacity and Fitness – You’ll need this to lodge a CTP claim.
Get everything documented – This ensures your injuries are officially recorded.
If you’ve experienced emotional trauma, including:
- Post-traumatic stress
- Anxiety or depression
- Flashbacks or disturbed sleep
- Nervous shock after witnessing a serious accident
You may be entitled to additional support. We make sure these injuries are taken seriously and assessed properly.
Many people lodge their own claims too early – only to receive less than they’re entitled to.
CTP insurers are experienced at reducing payouts. Without legal guidance, you may unknowingly accept an offer that doesn’t reflect the full impact of your injuries.
We help by:
- Ensuring your claim is lodged correctly and completely
- Making sure all injuries, including psychological ones, are properly assessed
Calculating your true entitlements so you don’t settle for less
Depending on your circumstances, you may be eligible for:
- Medical and treatment costs – Including rehabilitation, medication, and future care
- Income support – Covering lost wages during your recovery
- Lump sum payments – For serious, long-term injuries
- Domestic assistance – If you need help with household tasks or daily care
Your entitlements depend on:
- The severity of your injury
- How it affects your ability to work
- Whether another party was at fault
We’ll help you understand exactly what applies in your case – and ensure nothing is overlooked.
- You hold TPD cover through superannuation
- You are permanently unable to return to work (in your usual or any occupation, depending on the policy)
- You have medical evidence confirming the condition is permanent
You’ve met any waiting period requirements (typically 3–6 months).
If your claim is denied, reduced, or prematurely cut off – you don’t have to accept it.
We act quickly to:
- Request an internal review from the insurer
- Escalate your case to the Personal Injury Commission (PIC)
Negotiate directly with the insurer using strong evidence and clear legal arguments
CTP claims are technical. Insurers are not required to explain your full rights. Without a lawyer, many people accept low settlements or have claims denied for avoidable reasons.
At Fern Lawyers, we:
- Secure higher settlements – Legal support consistently leads to better outcomes
- Properly document all injuries – Including those often missed, like PTSD or anxiety
- Challenge delays or rejections – And escalate where necessary
Work on a No Win, No Fee basis – You only pay if we win your case
Free Case Review
Phone: (02) 9098 4778
Email: contact@fernlawyers.com.au
Website: www.fernlawyers.com.au
You don’t have to go through this alone. Let us help you get the support and compensation you deserve.
Disclaimer
This article contains general information and is not a substitute for legal advice. Your entitlements depend on the specific details of your injury, claim, and insurance policy.
For advice tailored to your situation, please contact Fern Lawyers to speak with a solicitor.
