Home Modifications and CTP Claims in NSW
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 serious motor accident injury in Illawarra or South Coast NSW and need home modifications, the NSW Compulsory Third Party (CTP) scheme may cover your costs. This guide explains what home modifications qualify, how to apply, and what evidence you'll need.
What Home Modifications Are Covered Under CTP?
The CTP scheme covers home modifications that help injured people live independently after a motor accident. Eligible modifications include:
- Ramps or handrails for wheelchair access
- Bathing aids or shower chairs
- Lighting upgrades for mobility
- Kitchen modifications for cooking assistance
- Wheelchair lifts or platform lifts
SIRA guidelines state that modifications must be medically necessary to address a permanent impairment caused by the accident. Temporary adjustments like adjustable furniture are generally not covered.
How to Apply for Home Modifications
To claim home modifications through the CTP scheme:
- Contact your insurer - The at-fault driver's insurer must approve the modification.
- Get a medical report - A doctor must confirm your injury requires the modification.
- Submit a detailed plan - Include measurements, design specifications, and cost estimates.
- Arrange for a site inspection - SIRA may inspect your home to verify the modification's necessity.
Applications must be submitted within 52 weeks of the accident for benefits. If your injury is severe enough to require ongoing support, you may need to reapply for modifications after this period.
Evidence Needed for a Successful Claim
SIRA requires specific evidence to support home modification claims:
- Medical records - Show the injury's impact on your daily life.
- Accident report - From police or the insurer.
- Photographs - Of your home's current condition and any pre-existing modifications.
- Quotes from contractors - For the modification's cost.
- Witness statements - From family or carers about your mobility challenges.
Keep all documents organized. SIRA may request additional information during the assessment process.
How SIRA Assesses Regional Claims
In Illawarra and South Coast, SIRA assesses claims using the same medical and legal standards as metropolitan areas. However, regional claims may take longer to process due to:
- Fewer SIRA offices in the area
- Longer travel times for inspections
- Different local building codes
If your claim is delayed, request a written update from SIRA. You can also seek assistance from a local community legal center.
Example: A Real Case in South Coast
Sarah, a 45-year-old mother of two, suffered a serious injury in a car accident on the South Coast. She needed a ramp installed to access her home. Her doctor confirmed the injury caused permanent mobility issues. Sarah submitted:
- A detailed medical report
- A quote from a local builder
- Photos of her home's steps
- An accident report from the police
SIRA approved the ramp within 12 weeks, covering 80% of the cost. Sarah received a written explanation of the decision and was advised to reapply if her needs changed.
When to Seek Legal Advice
Contact a solicitor if:
- Your claim is denied without a clear reason
- You need help negotiating with the insurer
- You're unsure about your eligibility
Legal professionals can help you understand your rights under the Motor Accident Injuries Act 2017 and ensure your claim meets all SIRA requirements.
Next Steps
CTP home modification claims depend on the accident date, injury severity, and evidence submitted. To request contact about your circumstances, complete the quick, no obligation enquiry form.