NSW CTP claims

Injured in a NSW denied CTP claim?

Start a quick CTP enquiry right here — name and mobile are enough. Legal Advice will call you back to discuss what may apply to your situation.

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If a CTP insurer has denied liability or declined benefits, you may still have pathways to explore — including internal review, dispute resolution or legal advice. Legal Advice accepts enquiries when a claim has been denied and calls you back to discuss what may be relevant to your accident and injuries. We help assess options; we do not guarantee any particular result or payout.

Who this page is for

Drivers with denied liability
Passengers whose claim was rejected
Anyone told their injuries are not covered

What may be relevant

Depending on your injuries and circumstances, these areas may be explored — outcomes vary and nothing is guaranteed.

Treatment expenses

Medical treatment, scans, specialist reviews, physiotherapy and rehabilitation costs may be relevant depending on your injuries.

Income loss

Time off work or reduced earning capacity may need to be assessed if your injuries affect your employment.

Rehabilitation

Ongoing treatment, recovery support and return-to-work planning may form part of your enquiry.

Care and support

Help from family, friends or paid carers during recovery may be considered in some circumstances.

Serious injury indicators

Fractures, head or spinal injury, psychological trauma or long-term restrictions may affect what support is explored — outcomes vary by case.

Evidence checklist

You do not need these to start your enquiry, but having them ready can help us assess your situation faster on callback.

Police event number or report (if police attended)
Photos of the scene, vehicles and visible injuries
Dashcam or CCTV footage (if available)
Witness names and contact details
Medical records, hospital papers and treatment notes
Payslips, employer letters or medical certificates (if time off work)

Start your CTP enquiry

Two quick steps — we will call you back about your NSW claim.

Frequently asked questions

Do I need to know if I have a claim before enquiring?: No. You can submit a quick enquiry even if you are unsure whether you have a claim. Legal Advice can help assess what may be available based on your circumstances — we do not guarantee any particular outcome.
What is a NSW CTP claim?: Compulsory Third Party (CTP) insurance may provide support to people injured in motor vehicle accidents on NSW roads. What may be available depends on your injuries, the accident and applicable law — it is not automatic compensation.
What information do I need to start?: Name and mobile are the only required fields. Accident date, location and injury details can help us guide you, but you can add those in step two or discuss them on your callback.
How long do I have to make a claim?: Time limits may apply to CTP claims in NSW. It is important to seek advice promptly so you can understand any deadlines that may affect your situation.
Is there a cost for the initial enquiry?: The initial enquiry is free. Legal Advice can explain next steps and, where relevant, discuss fee arrangements for eligible claims.
Can I dispute a CTP insurer decision?: If liability or benefits are disputed, you may have review pathways. Legal Advice helps you understand options based on your circumstances — not guaranteed outcomes.
Should I accept a denial letter without advice?: You can enquire before deciding next steps. Deadlines may apply to reviews — starting early helps preserve options.

Related CTP claim pages

CTP claim guides & articles

Read our latest guides on NSW CTP claims and motor accident injuries — general information to help you understand the process.

View all articles