A threshold injury under the Motor Accident Injuries Act 2017 (NSW) includes a soft tissue injury and a psychological or psychiatric injury that is not a recognised psychiatric illness (adjustment disorder and acute stress disorder are the usual examples; s 1.6 and Motor Accident Guidelines Part 5).
If you've suffered hearing loss from acoustic trauma in a motor accident on the Illawarra or South Coast, you need to document your injury carefully to support your CTP claim. This guide explains what evidence matters, how SIRA evaluates acoustic trauma claims, and steps to take in your region.
What Evidence Supports a Hearing Loss Claim?
To prove your injury is work-related, you must show a direct link between the accident and your hearing loss. Key evidence includes:
- Medical records confirming your diagnosis, including audiograms and ENT specialist reports
- Witness statements from others who saw the accident or noticed your symptoms
- Accident reports from police or the scene (if available)
- Photographs of the vehicle damage or airbag deployment (if applicable)
- Medical treatment records showing ongoing care for your injury
SIRA requires documentation that clearly shows your injury meets the 'threshold injury' definition under the Motor Accident Injuries Act 2017. For acoustic trauma claims, this often involves:
- Evidence of a sudden, traumatic noise event (e.g., airbag deployment, crash forces)
- Medical evidence of hearing damage, including audiometric test results
- A connection between the accident and your injury, not pre-existing conditions
How SIRA Evaluates Acoustic Trauma Claims
SIRA assesses claims based on the Motor Accident Guidelines. For hearing loss caused by acoustic trauma:
- Audiograms must show a measurable hearing loss (typically 25dB or more in specific frequencies)
- Medical experts must confirm the injury is caused by a traumatic event, not gradual exposure
- No pre-existing conditions should be present, unless the accident caused a worsening of a known condition
In Illawarra and South Coast, claimants should note that SIRA may require additional evidence if the injury is disputed. Regional clinics like Wollongong or Shellharbour hospitals often have specialists experienced in trauma-related hearing loss.
Practical Steps for Illawarra and South Coast Claimants
- Seek immediate medical attention after the accident, even if symptoms seem minor
- Request a full audiogram within 28 days of the accident (as per SIRA guidelines)
- Keep all medical records organized, including specialist referrals and treatment plans
- Notify your insurer within 28 days of the accident (as required by CTP rules)
- Consult a local solicitor if your claim is denied or if you need help with documentation
Time Limits and Dispute Resolution
You have 28 days to notify your insurer of the accident. If you fail to meet this deadline, your claim may be barred. For disputes over the severity of your injury:
- You can request a review by SIRA within 60 days of the initial decision
- Consider independent medical evidence if your claim is contested
- Seek legal advice if your injury worsens or new symptoms develop
When to Seek Independent Advice
Talk to a solicitor if:
- Your claim is denied
- You're unsure about the strength of your evidence
- You need help with the claims process
- You want to understand your options for dispute resolution
CTP entitlements depend on the date of your accident, the nature of your injury, and the evidence you provide. For tailored advice on your specific circumstances, complete the quick, no obligation enquiry form.