CTP Claims Lawyer Liverpool

You have 3 years* from the date of your accident to lodge a CTP claim in NSW. This deadline is set by the Motor Accident Injuries Act 2017 (NSW) and cannot be extended.

The 3-year limitation period starts from:

• The date of the accident (for immediate injuries)
• The date you first became aware of your injury (for injuries that develop later)

Missing this deadline means you permanently lose your right to claim compensation, regardless of how serious your injuries are or the circumstances of the accident.

Why you shouldn't wait: Evidence deteriorates over time. Witnesses' memories fade, medical records can be lost, and accident scene details become harder to verify. Starting your claim early gives us the best chance to build a strong case.

If you're approaching the 3-year deadline, contact us immediately on 1300 011 149. We can assess whether you still have time to lodge a valid claim.

Source: Motor Accident Injuries Act 2017 (NSW) Section 6.16

*for common law damages (lump sum compensation)

The compensation you receive depends on the severity of your injuries and their impact on your life. CTP claims in NSW can include multiple components to ensure you're fully compensated for all losses.

Medical Expenses

• Hospital treatment costs (public and private facilities)
• Doctor and specialist appointments
• Physiotherapy and rehabilitation
• Medications and medical equipment
• Future medical care needs
• Home modifications for serious injuries

Domestic Assistance

• Help with household tasks you can no longer perform
• Childcare assistance
• Personal care needs

Future Care Needs

• Ongoing medical treatment
• Attendant care for severe injuries
• Cost of future medications

Rehabilitation costs

Lost Income

• Past loss of earnings from time off work
• Future loss of earning capacity
• Loss of superannuation
• Loss of employment benefits
• Loss of opportunities

Pain and Suffering

• Physical pain and discomfort
• Psychological trauma and mental suffering
• Loss of enjoyment of life
• Permanent impairment and scarring

Our lawyers ensure every component of your claim is properly valued and claimed. Insurance companies often undervalue future care needs and psychological injuries, which is why expert legal representation is essential.

Call 1300 011 149 for a free assessment of your potential compensation.

CTP compensation amounts in NSW vary significantly based on injury severity, impact on your life, and individual circumstances. These are typical compensation ranges for different injury categories, subject to medical evidence

Minor Injuries (soft tissue, whiplash): $5,000 - $25,000 Includes minor whiplash, soft tissue injuries, and sprains that resolve within weeks to months. Limited impact on work and daily activities.

Moderate Injuries (fractures, significant soft tissue damage): $25,000 - $100,000
Includes single fractures, significant soft tissue injuries requiring extended treatment, and injuries causing temporary disability lasting several months.

Serious Injuries (multiple fractures, internal injuries, psychological trauma): $100,000 - $500,000
Includes multiple fractures, internal organ damage, serious psychological conditions like PTSD, and injuries requiring surgery or causing permanent limitations.

Catastrophic Injuries (brain injury, spinal cord injury, amputation): $500,000 - $5,000,000+
Includes traumatic brain injuries, spinal cord injuries causing paralysis, amputations, severe burns, and injuries causing permanent total disability.

Fatal Accidents (dependency claims for family): $300,000 - $1,000,000+
Family members can claim compensation for loss of financial support, loss of care and companionship, and funeral expenses.

Important note: These are general ranges only. Your specific compensation depends on factors including:

• Injury severity and permanence
• Ongoing treatment needs
• Impact on employment and earning capacity
• Age and pre-accident income
• Degree of fault (if any)
• Quality of medical evidence

Insurance companies typically make initial offers below true claim value. We fight for maximum compensation by:

• Obtaining comprehensive medical evidence
• Properly valuing future losses
• Engaging specialist medical experts
• Negotiating aggressively with insurers
• Taking matters to court if necessary

Never accept the first offer without legal advice. Call 1300 011 149 for a free assessment of your claim's true value.

Proving your claim's value requires comprehensive evidence documenting every aspect of your injuries and losses. This evidence must convince the insurance company (or court) that your claim is worth the amount you're seeking.

Medical Evidence (Most Critical)

Treatment records from hospitals and treating doctors

• Emergency department notes
• GP consultation records
• Specialist reports (orthopaedic, neurological, psychiatric)
• Physiotherapy treatment notes
• Diagnostic imaging (X-rays, CT scans, MRI)

Independent Medical Examination reports - We arrange assessments by independent specialists who provide objective opinions on:

• Diagnosis and prognosis
• Degree of permanent impairment
• Causation (proving the accident caused the injury)
• Future treatment needs and costs

Expert medical opinions - For serious injuries, we engage specialists to provide detailed reports on:

• Long-term prognosis
• Permanent functional limitations
• Future care requirements
• Life expectancy impacts

Economic Loss Evidence

Past lost income

• Employment contracts and payslips
• Tax returns and group certificates
• Employer letters confirming absence and lost income
• Evidence of lost overtime or bonuses

Future loss of earning capacity

• Vocational assessment reports
• Evidence of reduced work capacity
• Career progression evidence
• Occupation-specific earning statistics

Superannuation losses

• Calculations of past super contributions lost
• Projections of future super losses

Pain and Suffering Evidence

Impact statements

• Your own detailed statement describing daily impacts
• Family member statements about observed changes
• Evidence of activities you can no longer enjoy

Psychological evidence

• Psychiatric or psychologist reports
• Evidence of mental health treatment
• Psychological testing results

Domestic Care Evidence

Domestic assistance reports - Occupational therapists assess:

• Household tasks you can no longer perform
• Hours of assistance needed
• Future care requirements

Evidence of care provided

• Diary of assistance received from family
• Commercial care invoices
• Evidence of gardening and cleaning services needed

Future Care Evidence

Life care plans - For catastrophic injuries, specialists prepare comprehensive plans detailing:

• Future medical treatments required
• Assistive equipment needs
• Home and vehicle modifications
• Attendant care requirements

Costings

• Quotes for home modifications
• Medical equipment costs
• Ongoing treatment cost estimates

Liability Evidence

Accident evidence

• Police reports
• Witness statements
• Photos of accident scene and vehicle damage
• Dashcam footage
• Expert accident reconstruction reports (for complex cases)

How we build your case:

1. Immediate evidence gathering - We start collecting evidence from day one, before crucial information is lost.
2. Comprehensive medical assessments - We refer you to appropriate specialists and obtain detailed reports documenting all injuries.
3. Expert witness engagement - For valuable claims, we engage medical experts, vocational experts, and care specialists.
4. Detailed loss calculations - We meticulously calculate every component of your claim to ensure nothing is missed.
5. Professional presentation - We compile evidence into professional claim submissions that convince insurers of your claim's value.

Without proper evidence, even serious injuries may be undervalued. We ensure your claim is comprehensively proven and properly valued.

Call 1300 011 149 to discuss building the evidence needed to maximise your compensation.

State Law Group operates on a no win, no fee basis for CTP claims.

If we win your claim:

• Legal fees are deducted from your compensation
• All costs are explained upfront in writing
• No surprises or hidden charges

If we don't win:

• You pay nothing
• Zero legal fees
• Zero out-of-pocket costs
• Complete risk-free representation

Why this benefits you: You don't need upfront capital to start your claim, you won't face ongoing payments during the 6-12 month process, and your lawyers are motivated to win because we only get paid when you do. Everyone gets expert legal representation regardless of their financial situation.

We offer a free initial consultation with no obligation. We'll honestly assess your case and explain exactly what our services cost if you choose to proceed.

Contact us today or call 1300 011 149 to discuss your CTP claim at no cost.

Yes, you can claim compensation even if you share some responsibility for the accident. NSW uses a 'contributory negligence' system, which reduces your compensation proportionally to your level of fault.

How it works:

• 10% at fault = 10% reduction in compensation
• 25% at fault = 25% reduction in compensation
• 50% at fault = 50% reduction in compensation

Example: If your claim is valued at $100,000 and you're assessed as 25% at fault, you receive $75,000.

Important: Never admit fault at the accident scene or when speaking with insurance companies. Let investigators determine liability based on proper evidence. What you think is your 'fault' may not be legally accurate. Traffic law is complex, and fault assessment involves detailed analysis of road rules, driver duties, and causation.

Our lawyers assess your situation objectively and work to minimise your fault percentage, which directly maximises your compensation. Insurance companies routinely try to inflate your level of responsibility to reduce their payouts.

Never accept an insurer's fault assessment without independent legal advice. Call 1300 011 149 for a free case review.

Yes, passengers have a strong right to claim compensation. Often stronger than driver claims because passengers are never at fault for causing the accident.

Why passenger claims are favourable:

• You bear no responsibility for the accident
• No contributory negligence reduction applies
• You can claim regardless of which driver was at fault
• Full compensation without fault-related deductions

You can claim as a passenger if:

• You were injured in a car, taxi, rideshare (Uber, Ola, DiDi), bus, or truck
• The vehicle was registered in NSW or another Australian state
• Your injuries resulted from the motor vehicle accident

Who pays your claim?

• If another vehicle caused the accident, their CTP insurer pays
• If your driver was at fault, their CTP insurer pays
• Even if both drivers share fault, you still claim full compensation

Important for families: Children injured as passengers have the same rights to claim. Parents can lodge claims on behalf of minor children.

What if I was a passenger in my partner's or family member's car? Your claim is against the insurance company, not the driver personally. Your family member faces no personal financial liability, and making a claim typically doesn't affect their premiums.

If you were injured as a passenger, contact us or call 1300 011 149. Passenger claims often result in full compensation with no fault reduction.

No, making a CTP claim will not affect your car insurance premiums. This is one of the most common misconceptions about CTP claims.

Why CTP claims don't affect your premiums:

CTP insurance and comprehensive car insurance are completely separate products:

CTP (Green Slip) Insurance:

• Covers personal injuries to people
• Mandatory for all registered vehicles in NSW
• Premiums based on vehicle type, location, and driving history
• Your claim is against the at-fault driver's CTP policy, not your own

Comprehensive Car Insurance:

• Covers vehicle damage and theft
• Optional insurance you purchase separately
• Premiums based on your vehicle damage claims history
• Personal injury claims don't appear in these records

Making a CTP claim does NOT:

• Increase your comprehensive insurance premiums
• Affect your no-claim bonus
• Appear on insurance databases as a 'claim' against your policy
• Impact your ability to get insurance in the future

Exception: If you were the at-fault driver and also made a comprehensive insurance claim for vehicle damage, that vehicle damage claim may affect your premiums. But the CTP personal injury claim itself has no impact.

Don't let fear of premium increases stop you from claiming compensation you deserve. If you were injured in an accident, you have rights regardless of insurance implications.

Contact us or call 1300 011 149 for honest advice. We'll explain exactly what to expect.

No. You should speak to a lawyer before giving any statements to insurance companies. This is critical advice that could determine the success of your claim.

Why insurance companies contact you directly:

After an accident, the at-fault driver's CTP insurer will often contact you quickly, presenting themselves as helpful and friendly. Their goal is to:

• Minimise your claim value
• Get you to make damaging admissions
• Record statements they'll use against you later
• Pressure you into early low settlements

What can go wrong when you talk to insurers:

1. ‍Recorded statements used against you Insurance companies record all conversations. Casual comments like 'I feel okay' or 'I'm managing' become 'claimant admitted injuries are minor.'‍
2. Admitting fault unintentionally Statements like 'I should have braked earlier' or 'I wasn't paying full attention' can be used to argue contributory negligence, reducing your compensation.‍
3. Downplaying injuries People naturally minimise pain when talking to strangers. Saying 'it's not too bad' in a phone call contradicts later claims of serious injury.‍
4. Missing claim components Without legal advice, you might not realise all components you can claim (future medical costs, domestic assistance, psychological injuries).‍
5. Accepting inadequate settlements Early settlement offers are typically 30-50% below true claim value. Once you accept, you cannot claim more later, even if injuries worsen.

What you should do instead:

When insurers contact you, say: 'I'm still receiving medical treatment and seeking legal advice. Please direct all communications to my lawyer.'

Then immediately:

1. Contact our office: 1300 011 149
2. We'll handle all insurer communications
3. We'll ensure nothing prejudices your claim
4. We'll negotiate from a position of strength

You have no obligation to speak to insurance companies. Everything they need to assess your claim can be provided through your lawyer.

Contact us or call 1300 011 149 before speaking to any insurance company. This one decision could mean tens of thousands of dollars difference in your compensation.

Most CTP claims settle within 8 to 18 months from lodgement. However, timelines vary based on several factors.

What affects your timeline:

Injury severity: Minor injuries like soft tissue damage often settle faster (4-8 months) than serious injuries requiring ongoing treatment (12-24 months).

Liability disputes: Unclear fault requires longer investigation periods.

Medical evidence: Claims settle faster once you've reached 'maximum medical improvement'—the point where doctors can properly assess permanent impacts.

Treatment completion: Claims shouldn't settle until treatment is complete and all future needs are understood.

Typical timeline:

• Weeks 1-4: Lodge claim, insurer acknowledges
• Months 2-6: Medical treatment, evidence gathering
• Months 4-10: Negotiation with insurer
• Months 6-12: Settlement reached

If court is required: Add 6-12 months to this timeframe.

Don't rush to settle: Insurance companies often make early low offers hoping you'll accept before the full extent of your injuries becomes apparent. We ensure you don't settle until we understand the complete picture of your injuries and future needs.

For a timeline specific to your situation, contact us or call 1300 011 149 for a free assessment.

Most CTP claims settle without going to court. Approximately 85-90% resolve through negotiation with insurance companies and never reach a courtroom.

The typical process:

1. We lodge your claim with the insurer
2. We gather medical evidence and documentation
3. We negotiate with the insurer for fair compensation
4. Claim settles (most cases end here)

When court proceedings may be necessary:

• The insurer disputes liability (who was at fault)
• The insurer disputes your injury severity
• The insurer makes an unreasonably low offer
• Your claim value exceeds statutory benefits thresholds

Will you have to personally “appear in court”?

Often, even where proceedings are filed, clients do not end up giving evidence at a final hearing because matters commonly resolve beforehand. If your case did require a hearing, we prepare you carefully and support you through each step.

The decision to pursue court action is always yours. We'll advise on the likelihood of success, potential additional compensation, and time involved. Many cases settle just before a scheduled hearing when insurers realise we're fully prepared to litigate.

Contact us or call 1300 011 149 to discuss your claim. We handle negotiations and, if necessary, court proceedings.

Yes. If you're injured by an uninsured, unidentified, or hit-and-run driver, you can still claim through the Nominal Defendant scheme.

The Nominal Defendant is a NSW Government entity that handles claims when:

• The at-fault driver was operating an uninsured vehicle
• The driver fled the scene (hit and run)
• The at-fault vehicle cannot be identified
• The vehicle was stolen

Your compensation rights are identical to claiming against an insured driver. You can claim for medical expenses, lost income, pain and suffering, and future care needs.

Requirements for Nominal Defendant claims:

• Report the accident to police (essential for unidentified drivers)
• Lodge your claim within 3 years
• Provide available evidence (witness statements, dashcam footage, photos)

These claims can be more complex because there's no other party to negotiate with directly. Our lawyers specialise in Nominal Defendant cases and understand the specific evidentiary requirements.

If you were hit by an uninsured or unidentified driver, contact us or call 1300 011 149. We've successfully recovered millions for hit-and-run victims.

This is extremely common. Many serious injuries don't show symptoms immediately due to adrenaline, shock, and the body's stress response. You can absolutely claim for injuries that appear later, but you must take the right steps.

Commonly delayed injuries:

• Whiplash and neck injuries (often appear 24-72 hours later)
• Back and spinal injuries
• Concussion and traumatic brain injury symptoms
• Internal injuries
• Psychological trauma (PTSD, anxiety, depression)

Critical steps if injuries appear later:

1. ‍See a doctor immediately Visit your GP, a hospital emergency department, or a specialist as soon as symptoms appear. Explain that the symptoms started after the accident.‍
2. Ensure medical records link injuries to the accident Your doctor must document: 'Patient reports [symptoms] following motor vehicle accident on [date].' This creates crucial medical evidence linking your injuries to the accident.‍
3. Notify the insurer If you've already lodged a claim, notify them of new injuries. If you haven't started a claim yet, include all injuries when you lodge.‍
4. Don't accept early settlement offers Insurance companies often make quick offers hoping you'll settle before the full extent of injuries becomes apparent. Never settle until you've reached maximum medical improvement.

Time limit still applies: The 3-year deadline runs from the accident date, not from when symptoms appeared. Don't delay seeking medical attention or legal advice.

If you're experiencing new symptoms after your accident, contact us or call 1300 011 149 immediately. Delayed injuries are legitimate, but evidence must be gathered quickly.

Yes, psychological injuries are fully compensable under NSW CTP law. You can claim for mental health conditions caused by your accident, either alone or combined with physical injuries.

Compensable psychological conditions include:

• Post-Traumatic Stress Disorder (PTSD)
• Major Depressive Disorder
• Anxiety disorders (including driving anxiety and phobia)
• Adjustment disorders
• Panic attacks
• Sleep disorders related to the accident

Evidence required for psychological injury claims:

1. Mental health professional diagnosis You'll need treatment and diagnosis from a psychiatrist or psychologist. GP referrals to mental health professionals are covered by your CTP claim.

2. Psychological assessment reports Independent medical examinations by psychiatrists assess the severity and causation of your psychological injuries.

3. Link between accident and symptoms Your treating doctors must document how the accident caused or contributed to your psychological condition.

Common psychological injury scenarios:

• Witnessing serious injury or death in the accident
• Fear and trauma from the impact itself
• Anxiety about driving or being in vehicles
• Depression from dealing with physical injuries and recovery
• PTSD from recurring memories and nightmares

Compensation for psychological injuries covers:

• Psychiatric and psychological treatment costs
• Medications
• Lost income if unable to work due to mental health
• Pain and suffering for psychological trauma
• Domestic assistance if psychological injuries affect daily functioning

Many people minimise psychological injuries. If you're experiencing nightmares, avoiding driving, feeling anxious, or noticing mood changes after your accident, these are real injuries deserving compensation.

Contact us or call 1300 011 149 to discuss psychological injury claims. We treat mental health injuries with the same seriousness as physical injuries.

Yes, you have an absolute right to change lawyers at any time during your CTP claim. You don't need your current lawyer's permission or even a reason.

How the process works:

1. Contact your new lawyer and explain your situation
2. We prepare a 'Notice of Change of Solicitor'
3. You sign the notice authorising us to take over
4. We notify your previous lawyer and the insurer
5. Your previous lawyer transfers your file to us
6. Your claim continues without interruption

What about legal fees already incurred? Your previous lawyer is entitled to fees for work they've actually done. These fees are usually deducted from your final settlement. If your claim succeeds, both lawyers' fees come from your compensation. Total fees remain capped by NSW law.

Common reasons people change lawyers:

• Poor communication (calls not returned, updates not provided)
• Lack of specific expertise in CTP claims
• Pressure to accept low settlement offers
• Claim progressing too slowly
• Loss of trust or confidence

When to consider changing: If you're not receiving regular updates, can't get answers to questions, or feel your claim isn't being taken seriously, get a second opinion.

Call State Law Group on 1300 011 149 for a free review of your existing claim. We'll give you an honest assessment of whether your current lawyer is handling your case properly.