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 suffered a facial scarring injury in a motor accident in NSW, preparing for a CTP medical assessment is crucial to securing compensation. This article explains how SIRA evaluates scarring injuries, what evidence matters, and steps to take before your assessment in Bankstown. Time limits and dispute options are also covered.
How SIRA Assesses Facial Scarring Injuries
SIRA (State Insurance Regulatory Authority) evaluates scarring injuries based on clinical evidence and functional impact. For facial scarring claims, medical professionals must document:
- Detailed descriptions of the scar's size, depth, and location
- How the injury affects daily activities (e.g., difficulty eating, speaking, or socialising)
- Psychological impact, such as anxiety or depression from appearance changes
SIRA's guidelines state that scars must meet specific criteria to qualify for compensation. For example, a scar must significantly impair function or cause visible disfigurement. Medical reports should include before-and-after photographs and clinical assessments.
Practical Steps to Prepare for a CTP Medical Assessment
- Gather medical records: Ensure your treating doctor provides a comprehensive report outlining the injury's impact. This includes pre-existing conditions and how the scarring affects your health.
- Photograph the injury: Clear, well-lit photos of the scar from multiple angles can help demonstrate its extent. Avoid using flash to prevent overexposure.
- Prepare a diary of symptoms: Note how the scarring affects your daily life, such as difficulty applying makeup or avoiding social interactions.
- Bring a support person: A family member or advocate can help you communicate during the assessment.
Time Limits and Dispute Options
CTP claims must be submitted within 52 weeks of the accident if the injury is classified as a 'threshold injury' (minor soft tissue damage). However, scarring injuries that meet SIRA's criteria for 'serious' or 'major' impairment may qualify for longer benefits. If your claim is disputed, you can:
- Request a review from SIRA
- Seek independent medical opinions
- Consult a solicitor for formal dispute resolution
When to Seek Legal Advice
If you're unsure whether your scarring injury meets SIRA's criteria, or if your claim is rejected, it's important to seek legal guidance. A solicitor can help you understand your options and ensure all evidence is properly submitted.
Every claim depends on its own facts. To request contact about your circumstances, complete the quick, no obligation enquiry form.