How does the NSW CTP scheme handle e-scooter collision claims?
In New South Wales, e-scooter collisions are treated under the same Compulsory Third Party (CTP) insurance scheme as motor vehicles. The Motor Accident Injuries Act 2017 and SIRA (State Insurance Regulatory Authority) guidelines apply to claims involving e-scooters, regardless of whether the rider is a driver, passenger, pedestrian or cyclist. Key principles include:
- CTP coverage applies to injuries caused by e-scooters, including collisions with cars, pedestrians or other vehicles.
- Fault does not affect CTP entitlements - the claim is based on the accident, not who was at fault.
- E-scooters are treated as motor vehicles under the scheme, meaning they must be registered and insured.
- Claims are processed through SIRA, the same body that handles car accident claims.
Practical steps and evidence for e-scooter accident claims
To support a CTP claim after an e-scooter collision, you must gather:
- Medical records showing the injury, including diagnosis and treatment.
- Accident reports from police, witnesses or the e-scooter's GPS.
- Photographs of the scene, vehicle damage and any visible injuries.
- Witness statements from people who saw the collision.
- Insurance details of the e-scooter owner and any involved drivers.
- Income records if you're claiming weekly benefits for lost earnings.
For regional areas like the Illawarra and South Coast, consider:
- Local SIRA offices - SIRA has regional service centres in Wollongong and Nowra.
- Transport NSW - For information on e-scooter registration and road rules.
- Community legal centres - Free legal advice for regional residents.
Time limits, disputes and when to seek advice
CTP claims must be submitted within 52 weeks of the accident if the injury is a 'threshold injury' (a minor soft tissue injury). However, if the injury is more severe, benefits continue beyond this period.
Disputes over injury severity or claim value can be resolved by:
- Requesting a review from SIRA.
- Seeking legal advice if the claim is denied.
In the Illawarra and South Coast, consider:
- Regional claim timelines - Some areas have longer processing times due to lower SIRA staff numbers.
- Transportation challenges - Remote locations may delay evidence collection.
Example: E-scooter collision in Wollongong
A rider in Wollongong collided with a car at a traffic light. The rider suffered a soft-tissue injury (threshold injury) and required medical treatment. The claim was submitted to SIRA through a local solicitor. After a review of medical records and accident reports, the claimant received weekly benefits for 52 weeks.
Next steps
CTP entitlements depend on the accident date, injury type and claim history. To request contact about your circumstances, complete the quick, no obligation enquiry form.