Contributory Negligence in CTP Claims: How Being Partly at Fault Reduces Your Payout
6 min readContributory Negligence in CTP Claims: How Being Partly at Fault Reduces Your Payout Accidents are rarely tidy. You might have been hit by a driver who ran a red light, but you were not wearing your seatbelt. You might have been struck while crossing the road, but not at the crossing a few metres away. […]
Hit and Run or Uninsured Driver? Claiming Against the Nominal Defendant
6 min readHit and Run or Uninsured Driver? Claiming Against the Nominal Defendant You have done nothing wrong. A driver hits you and speeds off before you can get their number, or you discover afterwards that the vehicle that injured you was not insured. Many people in this position assume they have no claim at all and […]
Passenger Injured in a Car Accident: Your CTP Rights in NSW
6 min readPassenger Injured in a Car Accident: Your CTP Rights in NSW Of everyone who can be hurt in a car accident, passengers are often in the strongest position to claim, and yet they are among the least likely to do so. The reason is usually not the law. It is that the person driving was […]
Cyclist Injured by a Vehicle: CTP Compensation in NSW
7 min readCyclist Injured by a Vehicle: CTP Compensation in NSW Riding a bike puts you within inches of traffic and gives you almost no protection when something goes wrong. A moment of inattention from a driver, a car door thrown open without looking, a vehicle turning across your path, and you can be seriously hurt through […]
Pedestrian Hit by a Car: Your CTP Rights in NSW
6 min readPedestrian Hit by a Car: Your CTP Rights in NSW Being struck by a car while you are on foot is frightening and often serious. Pedestrians have no protection in a collision, so the injuries tend to be worse than in most road accidents, and the aftermath can be overwhelming, physically, emotionally and financially. In […]
TPD Claims for Back and Spinal Injuries
7 min readTPD Claims for Back and Spinal Injuries A back or spinal injury can quietly take away the thing your livelihood depends on. You push through it for as long as you can, you try the lighter duties, you manage the pain with medication and physiotherapy, and then one day it becomes clear that the work […]
Common Reasons TPD Claims Are Denied
6 min readCommon Reasons TPD Claims Are Denied A declined TPD claim can feel like a judgement on whether you are really unwell. It usually is not. Insurers refuse a significant number of genuine Total and Permanent Disability claims, and when you look at why, the reasons are far more often about evidence, definitions and paperwork than […]
How Much Is a TPD Payout, and How Is It Calculated?
7 min readHow Much Is a TPD Payout, and How Is It Calculated? It is the question almost everyone asks first, and it is a fair one. If you cannot work again, you need to know what a Total and Permanent Disability payout might actually be worth to you and your family. The difficulty is that most […]
Statutory Benefits vs Common Law Damages: The Two Types of CTP Claim Explained
7 min readStatutory Benefits vs Common Law Damages: The Two Types of CTP Claim Explained If you have been injured in a car accident in New South Wales and started reading about compensation, you have probably run into two phrases that sound like they mean the same thing but do not. Statutory benefits. Common law damages. People […]
When the Insurer Blames Degeneration: Pre Existing Condition Disputes in NSW Workers Compensation
7 min readWhen the Insurer Blames Degeneration: Pre Existing Condition Disputes in NSW Workers Compensation You lifted something at work, or you felt your back go during a shift, and now you cannot do your job. You lodge a claim, and back comes a letter with a scan report attached and a single word doing all the […]