CTP Insurer Denied My Treatment: What to Do Next
7 min readYour physiotherapist recommends another block of sessions. Your GP refers you for a scan. Your surgeon says an operation would help. Then the letter arrives from the insurer saying the treatment will not be funded, and suddenly your recovery is on hold because of a decision made by someone who has never examined you. It […]
How CTP Compensation Payouts Are Calculated in NSW
7 min readIt is one of the first questions people ask after a motor accident, and one of the hardest to get a straight answer to. How much is my claim actually worth, and how does the insurer arrive at that number? The honest answer is that nobody can tell you a figure at the outset, and […]
How to Dispute a CTP Insurer’s Decision in NSW
6 min readInsurers make decisions about your claim constantly, and not all of them go your way. They can decide that your payments should stop, that your injury is only a threshold injury, that a treatment you need is not reasonable and necessary, or that the accident was mostly your fault. Any one of those decisions can […]
The Insurer Says My Injury Is a Threshold Injury: How to Dispute It
8 min readFew decisions in a motor accident claim carry more weight than whether your injury is classified as a threshold injury. It sounds like a technical label, but it can quietly decide how long your benefits last and whether you can ever claim a lump sum for what the accident has cost you. So when an […]
How to Make a CTP Claim in NSW: The Step by Step Process
7 min readBeing hurt in a car accident is disorienting enough without having to work out how the compensation system runs. If you have been injured on a New South Wales road, whether as a driver, passenger, motorcyclist, cyclist or pedestrian, a CTP claim is usually the path to income support while you cannot work and to […]
CTP Insurer Stopped My Weekly Payments in NSW: What to Do Next
8 min readWhen you have been injured in a car accident and cannot work, your weekly payments are often the only thing keeping the household running. So when the CTP insurer suddenly reduces or stops those payments, it can feel like the ground has been pulled out from under you, usually at the exact moment you can […]