Where a person's only injuries resulting from the accident are threshold injuries, weekly benefits and treatment and care generally cease after 52 weeks (ss 3.11 and 3.28).
Families in regional New South Wales who are caring for someone injured in a motor accident may be eligible for support through the NSW Compulsory Third Party (CTP) scheme. This article explains how the CTP scheme covers unpaid family care, what evidence is needed, and how SIRA assesses claims in rural areas. It also outlines time limits and steps to take if disputes arise.
How the CTP Scheme Supports Families
The NSW CTP scheme covers care and family support claims when a person is injured in a motor accident. This includes unpaid family caregivers who provide assistance such as personal care, household tasks, or transport. Under the Motor Accident Injuries Act 2017, families can claim for the cost of care, including hiring professional support if needed. SIRA (State Insurance Regulatory Authority) manages these claims and evaluates whether the injury meets the threshold for support.
Documentation Needed for Care Claims
To prove family caregiver involvement, claimants must provide evidence of the care provided. This includes:
- Medical records confirming the injury's impact on daily living
- Care logs detailing hours of assistance provided
- Proof of income loss if the caregiver had to stop work
- Witness statements or photographs of care activities
In regional areas, families may face challenges accessing medical professionals or submitting claims due to limited services. SIRA requires all documentation to be submitted within 52 weeks of the accident, unless an extension is approved.
How SIRA Assesses Regional Claims
SIRA evaluates all claims based on the same criteria regardless of location. For family support claims, assessors consider:
- The type and extent of care required
- The relationship between the injured person and the caregiver
- The financial impact on the family
- Medical reports confirming the injury's effect on independence
In rural areas, claimants may need to seek independent medical opinions if local practitioners cannot provide sufficient evidence. SIRA's assessment process is the same as in metropolitan areas, but regional claimants should allow extra time for documentation and review.
Time Limits and Dispute Resolution
CTP claims must be submitted within 52 weeks of the accident unless an extension is granted. Families should notify SIRA immediately after the injury occurs to avoid missing deadlines. If a claim is denied, families can request a review through SIRA's internal process or seek mediation. In complex cases, consulting a solicitor familiar with regional CTP claims may be necessary.
Practical Steps for Regional Families
- Seek immediate medical attention to document the injury's impact on daily living
- Keep detailed records of care provided, including dates, tasks, and hours
- Contact SIRA within 52 weeks to start the claim process
- Request a medical assessment if local practitioners cannot provide sufficient evidence
- Consider professional support if caregiving affects your ability to work
Families in regional NSW should be aware that while the CTP scheme applies uniformly, practical challenges like limited access to services may affect claim processing times. Ensuring all documentation is complete and submitted promptly is critical to securing support.
Every claim depends on its own facts. To request contact about your circumstances, complete the quick, no obligation enquiry form.