Which CTP guidelines apply to your NSW motor accident claim?

When reading an online claims guide, check its version as well as its title. An older page can remain easy to find after the rules or guidance it describes have changed.

The current version and its legal basis

SIRA lists Motor Accident Guidelines version 10.1, commencing 12 December 2025, covering claims, threshold injuries, permanent impairment and disputes. Section 10.2 of the Motor Accident Injuries Act 2017 authorises SIRA to issue and amend guidelines; section 10.7 makes compliance with applicable guidelines a licence condition.

Check the transitional provisions of the particular clause. Some version 9 provisions continue for accidents before 1 April 2023. The current version number alone does not identify every rule applicable to an older accident.

Motor Accident Injuries Act 2017, s 10.2 · Motor Accident Injuries Act 2017, s 10.7 · SIRA — Motor Accident Guidelines

What to bring to a consultation

Put your accident date, claim number, insurer letters and any disputed decision on one page. Save the actual letter rather than only a summary. If an insurer or another adviser refers to a guideline, ask for the clause and version so it can be checked in context.

A practical way to read claims information

Start with the question you need answered: a treatment request, a payment decision, an injury classification or a dispute. Then identify the source and the dates it covers. A general internet explanation is more useful when it can be connected to the specific decision in your file.

The December 2025 commencement is not a new October 2026 law change. This post highlights the current listed guidance and the importance of checking its application to your circumstances.