Compulsory Third Party (CTP) Lawyers

If you are injured in a car accident, you may be able to make a CTP claim to obtain compensation for any injury sustained in the accident. A CTP claim is for personal injury only. Any damage to the car itself is claimed through the other driver’s property motor vehicle insurance or if they don’t hold such insurance, from your own comprehensive motor vehicle insurer.

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5-Star Client
 Rating

Free Case
Assessments

Industry Experts: 20+ years of experience

No Win No Fee Guaranteed

How to claim CTP

To make a CTP claim, you will need to follow these simple steps:

Obtain the drivers and registration details of the car at fault.
Take photos of the accident scene and damage to both vehicles.
Record the contact details of any witnesses to the accident.
Report the accident to the NSW Police within 28 days and obtain an event number. If the Police didn’t attend the scene call them on 131 444 and report the accident and obtain an event number.
Do not admit you were at fault and do not blame anyone else of being at fault
Visit your doctor for treatment and ensure the doctor records;
- That the injury was sustained in a car accident
- The body part/s injured in the accident, even if only minor/ All injuries major or minor should be recorded in the clinical notes.
Complete an Application for Personal Injury Benefits within 28 days. This can be found on the SIRA website HERE

Are there time limits when it comes to making a ctp claim?

You have 28 days form the date of the accident to complete the Application for Personal Injury Benefits. If you don’t complete the form with 28 days you can do so up to 3 months late.

You must also notify the Police within 28 days of the car accident and obtain an Event number. If the Police didn’t come to the scene of the accident it can be reported by phone on 131 444.

Other issues

When making your CTP claim, it is important that you:

Do not give a statement to an investigator appointed by the insurer without speaking to an Accredited Specialist in Personal Injury Law.
Do not settle your claim without consulting an Accredited Specialist in Personal Injury Law. Insurers make low initial offers to see if they can resolve claims cheaply.

The CTP claims system in NSW is complex and you should obtain the assistance of a lawyer who is an Accredited Specialist in Personal Injury Law. You will not have to pay any legal costs until the claim is finalised, and if you do not get the compensation you will not be charged legal fees (No Win No Fee).

If you need assistance with the CTP claims process, please do not hesitate to contact our lawyers as follows;

Complete our FREE case assessment form HERE
Email us at info@garlingandco.com.au
Give us a call on (02) 8518 1120

For further reading, review our Motor Vehicle Compensation Claims Success guide here.

The Claims Process:

Obligation free meeting with Accredited Specialist in Personal Injury Law
Understand what you are entitled to, the process and timeframe
Proceed on a No Win No Fee basis
Your case is built using the best experts to achieve the optimum result
Your will be kept updated throughout the process
We will secure the financial result in the shortest possible timeframe

Would you like assistance with your claim?

Complete our free, no obligation confidential case assessment form and we’ll get back to you within 24 hours.

Alternatively, we are available to talk by phone and email. Please contact our experienced accredited specialist personal injury lawyers to find out how we can help.

Call now to start your claim 02 8329 9500

No Win No Fee

You won’t be required to pay any fees until we win your case.

Industry Experts

We’re industry experts with over 20 years of experience.

Maximum Compensation

Our team of expert injury lawyers will help you get maximum compensation.

Alina S.

03:51 26 Mar 26

I can’t thank Mr Garling and his team enough for the incredible support they provided throughout my case. From the very beginning, they showed genuine compassion, professionalism, and a strong... commitment to achieving the best possible outcome for me - and the result they achieved in the end was far beyond my expectations!What stood out most was their clear and prompt communication, customer-focused approach and kindness. At every stage, they made sure I understood what was happening and what to expect. This made a very difficult and emotionally challenging process a lot more manageable. Whenever I had questions or felt anxious they were responsive, patient, and reassuring.Thanks to Mr Garling, I felt empowered and confident navigating the complex, opaque and overwhelming workers compensation system. His dedication and expertise, along with the hard work of his entire team, helped me achieve an outstanding outcome.I cannot recommend Garling & Co highly enough, to anyone in need of personal injury legal assistance, and especially those dealing with a workplace injury / workcover. You’ll be in very capable and caring hands!read more

sidney C.

02:14 05 Mar 26

From the Moment we seek out a lawyer all we expect from them is Honest,Efficient,Competentce,and Dedication.I Found All of That in These Lawers.

YKHADZ

00:11 25 Feb 26

I can’t thank Garling & Co lawyers enough!they turned what felt like an impossible situation into a life changing result.After my back injury forced me to stop working, I was terrified about how... I’d support my family.Kerry, Myriel and the team kept me updated every step without me having to chase. If you’re considering a TPD claim and feel like the insurer is making it deliberately hard, do yourself a favour and call these guys first. They know exactly what evidence matters and they fight hard without ever making you feel like just another file.Highly recommend worth every single star!!!Thanks again Kerry, Myriel & the team absolute legends 🙏read more

Howard P.

00:54 23 Feb 26

So thrilled with Garling & Co. Particularly Kerry Byrnes. Right from the first time I called for some advice to our favourable outcome she has had a listening ear, empathy and on the money with all... of her advice. I would gladly recommend their services.read more

Fiona C.

05:55 19 Feb 26

I cannot speak highly enough of my experience with this workers Compensation team. When I first reached out, I was completely overwhelmed and unsure about the process. I hit rock bottom - unable to... return to work, struggling emotionally, and feeling like I had no direction. From the very beginning, the solicitors were nothing short of amazing. They were patient, understanding and incredibly supportive at a time when I needed it most. They took the time to explain every step in a way I could understand, never making me feel rushed or alone. Their professionalism was matched only by their compassion and that combination made all the difference.Throughout the entire journey, I felt heard, respected and genuinely cared for. They fought for me when I didn’t have the strength to fight for myself and thanks to their dedication, I was able to get the outcome I needed to rebuild my life. If you’re unsure, scared or feeling lost like I was, I can confidently say you will be in the best hands with this team. They helped me through one of the hardest chapters of my life, and I am truly grateful. I can’t thank or recommend Garling & Co Lawyers enough.read more

E.B

01:02 04 Feb 26

We initially contacted Matthew after my husband’s injury, he was so helpful and gave us all the information about my husband’s workers comp situation, he took the time and explained where my husband... was at with his claim and what we needed to do moving forward. This was even before we became a client which was refreshing and honest… Navigating a workers compensation claim is hard and really confusing, the team at Garling and co are so helpful and professional they really make the process easy and smooth!! We knew we could always call or email and ask questions about anything at any time. My husband doesn’t speak English fluently and Allison and Matthew catered to that in any ways possible.My husband was happy with the outcome of his claim, and he felt like he ended up with best possible outcome thanks to Matthew and the team.Thankyou Garling and Coread more

Alyssa F

08:02 31 Dec 25

Matthew Garling and his team have provided incredible support and guidance throughout my MVA damages claim this year, and I can’t thank them enough for making this journey feel like such a breeze.... When I initially engaged Garling & co, I had no understanding of what was ahead. I was anxious and unsure about the process, while also navigating the physical challenges of my injuries. With assurance that my matter was being handled with high level of expertise, professionalism and integrity, I was able to focus on recovery instead. Throughout the process, Matthew and Allison have been honest, straightforward and efficient in all communication; being a supportive buffer in all dealings with the insurer, and consistently committed to a successful outcome. The outcome was excellent, and it is with huge relief and great thanks that I can put this matter behind me. I would highly recommend the services of Garling and co for any injury claims of a similar nature, and I’m forever grateful to Matthew and his team.read more

David Y

21:33 15 Dec 25

A big thank you to Matthew for his expertise, dedication, and genuine care in handling my matter. The outcome exceeded my expectations, and I am truly grateful for the excellent work of his entire... team. Outstanding results - highly recommended.read more

Richard R.

07:58 02 Dec 25

I needed urgent, clear advice regarding a Workers Compensation claim and "cold-called" Garling & Co.I was put through to Kerry Byrnes, and from that moment, my stress began to lift.I explained my... scenario which was causing me huge anxiety and Kerry listened intently. She provided simple, clear, and authoritative advice on my legal standing, the correct next steps, and what to realistically expect.Crucially, she reassured me that everything I had done to that point was correct.This initial consultation, which I later learned was provided at no cost, gave me perfect guidance and an immense sense of relief.There is truly no price you can put on that level of reassurance and peace of mind from an expert and Kerry delivered both instantly.Should my claim proceed and I need further legal insight, I will choose Kerry and the team at Garling & Co without hesitation.Their focus is clearly on the client and getting the right outcome.I recommend Kerry and the firm 100%.Thank you, Kerry!read more

Graeme M.

04:22 29 Oct 25

Matthew Garling and his team have been excellent in dealing with my case. I am very happy with the result and the process to guide me through everything over the last two years. Most importantly... happy with the payout. Highly recommend if you’re thinking of claiming for an injury caused by another party.read more

Frequently Asked Questions

1. What is the scheme for people injured in motor vehicle accidents in NSW?

If you get injured in a motor vehicle accident in NSW, you can claim personal injury compensation under the Compulsory Third Party (CTP) Scheme. This scheme is governed by the Motor Accident Injuries Act NSW (2017) (MAIA), and SIRA oversees such claims.

SIRA is the statutory corporation that regulates the Motor Accidents Scheme, provides guidelines to insurers for handling of claims and provides dispute resolution assistance between insurers and people injured in motor accidents.

2. What do I do if the insurer asks an investigator to take a Statement from me?

As part of the investigation process, the CTP insurer will appoint an investigator to speak to the drivers of the vehicles and all witnesses. It is likely they will contact you to provide a statement as to the circumstances surrounding the accident and the nature and extent of your injuries.

You should provide a statement to the investigator; however, you should only do so with the assistance of a lawyer. You need to be careful what you say in the Statement as this can be used against you.

The information contained in the statement must be accurate and relevant. Often insurance investigators can put their spin on your words in completing the statement, and you need to be careful with how the statement is worded. If possible, you should have a lawyer assist you in completing any statement provided to the insurer or their investigator.

3. How to claim your ctp green slip refund

A Green Slip is an insurance policy, linked to a motor vehicle that provides compulsory third party (CTP) Personal Injury Insurance. This insurance covers you or the person driving your vehicle if the driver of your vehicle causes injury to someone else.

An injured person claims against the CTP Insurance of the vehicle which they consider caused the accident or if only one vehicle involved the CTP insurance of that vehicle

CTP insurance is compulsory and is taken out when registering a Motor Vehicle in NSW.

CTP insurance does not cover damage to your car or other motor vehicles, and it only covers personal injury.

4. What is the MCIS Levy?

All green slips now show the MCIS (Medical Care and Injury Services) Levy, as a separate item on the green slip.

The levy is payable to fund the Lifetime Care and Support Scheme (LTCS). The LTCS Scheme provides medical care, treatment, rehabilitation, attendant care to the catastrophically injured in car accidents such as severe spinal cord injury, or traumatic brain injury.

The levy is an additional payment on top of the CTP insurance to cover the care for those people catastrophically injured in Motor Vehicle Accidents.

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