Green Slip CTP Insurance: What Injured People Need to Know
If you've been injured in a motor accident in NSW, you may be wondering how green slip CTP insurance covers your claim. Under the Motor Accident Injuries Act 2017 (MAIA), all NSW drivers must hold a green slip to cover third-party injuries. This article explains what coverage applies, how to make a claim, and how disputes are resolved.
What Does Green Slip CTP Insurance Cover?
Green slip CTP insurance covers injuries caused by a motor vehicle accident, regardless of fault. Under the MAIA, eligible injuries include:
- Threshold injuries (soft tissue injuries like whiplash, sprains, or fractures)
- Whole person impairment (permanent disability or loss of function)
- Weekly income payments for lost earnings
- Treatment and care benefits for medical expenses
SIRA (State Insurance Regulatory Authority) administers claims. If your injury meets the MAIA's 'threshold injury' definition, you may receive weekly benefits for 52 weeks, plus treatment costs. However, injuries below this threshold may not qualify for ongoing payments.
How to Make a CTP Claim in Greater Sydney
To start a claim, you must:
- Notify your insurer within 28 days of the accident (s 3.11 MAIA)
- Provide medical evidence showing your injury meets the MAIA's definition
- Submit a claim form via SIRA's online portal or by post
Key evidence includes:
- Medical records confirming your injury
- Police report or accident statement
- Witness contact details
- Income records to support weekly payments
If your injury involves a spinal nerve-root injury with neurological signs, it may still qualify as a threshold injury under the Motor Accident Guidelines.
Common Disputes and How They're Resolved
Disputes often arise over:
- Whether your injury meets the threshold injury definition
- The amount of weekly benefits
- Whether your claim overlaps with workers' compensation
SIRA reviews all claims. If you disagree with a decision, you can:
- Request a review within 28 days
- Apply for mediation
- Seek legal advice to challenge the decision
For accidents before 1 December 2017, the old Motor Accidents Compensation Act 1999 (MACA) may apply, but the MAIA is the current scheme.
When to Seek Legal Advice
Consult a solicitor if:
- Your injury involves contributory fault (s 4.4 MAIA)
- You're unsure if your injury qualifies for benefits
- You need help navigating SIRA's dispute process
Legal advice can also help if your claim overlaps with workers' compensation or involves lifetime care needs.
Next Steps for Injured Claimants
CTP claims depend on the accident date, injury type, and evidence. If your claim is denied or you're unsure of your rights, contact a legal professional. Complete the quick, no obligation enquiry form to request contact about your circumstances.
Why Time Matters
You must notify your insurer within 28 days of the accident. Delays can affect your ability to claim weekly benefits or treatment costs. If you're unsure about your options, act quickly to preserve your rights.
Understanding SIRA's Role
SIRA handles all CTP claims in NSW. They assess whether your injury meets the MAIA's criteria and determine your entitlements. Their website provides claim forms, guidelines, and contact details for assistance.
Final Checklist for Injured Claimants
- Notify your insurer within 28 days
- Gather medical and accident records
- Submit a claim via SIRA's portal
- Seek legal advice if your claim is denied
Every claim depends on its own facts. Complete the quick, no obligation enquiry form to request contact about your circumstances.