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).
If you've been injured in an e-scooter collision in Illawarra or South Coast NSW, you may be eligible to claim funding for treatment costs through the NSW Compulsory Third Party (CTP) scheme. This article explains how the scheme covers medical expenses, what evidence you need, and how regional factors might affect your claim.
How the NSW CTP Scheme Funds Treatment Costs
Under the Motor Accident Injuries Act 2017, the CTP scheme covers treatment costs for injuries caused by motor vehicles, including e-scooters. This includes medical bills, therapy sessions, and other necessary treatments. The amount of funding depends on the type and severity of your injury. For example:
- Threshold injuries (such as whiplash or soft tissue damage) are covered for up to 52 weeks.
- Longer-term injuries (like fractures or chronic pain) may qualify for ongoing treatment funding.
SIRA (State Insurance Regulatory Authority) provides detailed guidelines on what treatment costs are eligible. You’ll need to provide medical records confirming your injuries and treatment plans.
Practical Steps and Evidence for Your Claim
To claim treatment costs, you must:
- Seek immediate medical attention and document all treatment. This includes GP visits, specialist consultations, and physiotherapy.
- Preserve accident details like photos of the scene, witness statements, and a police report if available.
- Notify your insurer or the at-fault party’s insurer within 52 weeks of the accident. Delays may affect your claim.
Key evidence includes:
- Medical records showing a direct link between the collision and your injuries.
- Itemized bills for treatment costs.
- Proof of income if you’re unable to work due to your injury.
Regional Considerations for Illawarra and South Coast
While the CTP scheme applies statewide, regional factors may influence your claim. For example:
- Claims in Illawarra or South Coast may be processed through local SIRA offices or third-party administrators.
- Rural access to specialists could affect treatment timelines, which may impact funding decisions.
Time Limits and Dispute Resolution
You must notify the insurer within 52 weeks of the accident. If your claim is disputed, you can:
- Request a review from the insurer.
- Seek mediation through SIRA.
- Consult a solicitor if disputes escalate.
When to Seek Legal Advice
If your injuries are severe, treatment costs are high, or your claim is rejected, it’s wise to consult a lawyer. They can help navigate SIRA guidelines and ensure you receive full funding.
Every claim depends on its own facts. To request contact about your circumstances, complete the quick, no obligation enquiry form.