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 were injured as a pedestrian at a marked crossing on the Central Coast, the NSW Compulsory Third Party (CTP) scheme may cover your treatment costs. This article explains how the scheme funds medical expenses, what treatment costs are eligible, and regional considerations for claimants.
How the NSW CTP Scheme Funds Treatment Costs
Under the Motor Accident Injuries Act 2017, the NSW CTP scheme provides funding for treatment costs incurred after a motor vehicle accident. This includes medical bills, physiotherapy, medications, and other necessary care. The scheme is administered by the State Insurance Regulatory Authority (SIRA), which ensures claims are processed according to legal guidelines.
When a pedestrian is hit at a marked crossing, the at-fault driver’s CTP insurer is legally obligated to cover treatment costs. SIRA’s website confirms that eligible treatment costs are paid directly to healthcare providers, ensuring injured persons receive necessary care without upfront out-of-pocket expenses.
What Types of Treatment Costs Are Covered?
Eligible treatment costs include:
- Medical consultations and diagnostic tests
- Physiotherapy and occupational therapy
- Medications prescribed for injury-related pain or recovery
- Specialist treatments such as chiropractic care or psychology services
- Rehabilitation programs to restore mobility or function
SIRA’s guidelines state that costs must be reasonable, necessary, and directly related to the injury. For example, a broken leg requiring X-rays and a cast would be covered, while unrelated treatments (e.g., cosmetic surgery) would not.
Regional Considerations for Central Coast Claimants
While the CTP scheme operates statewide, claimants on the Central Coast should note:
- SIRA processes claims regardless of location, but local healthcare providers may influence treatment access
- Some clinics on the Central Coast may have longer wait times for specialist appointments, affecting recovery timelines
- Claimants should confirm their treating doctor is registered with SIRA to ensure treatment costs are eligible
These are handled separately under common law claims, which require independent legal assessment.
Practical Steps to Take After a Pedestrian Crossing Injury
- Seek immediate medical attention, even if injuries seem minor
- Document the accident scene, including traffic camera footage if available
- Obtain a medical report detailing the injury’s impact on daily activities
- Contact SIRA’s claims team to confirm eligible treatment costs
- Keep all medical records, receipts, and correspondence with healthcare providers
Time Limits and Dispute Resolution
Claimants must notify the CTP insurer within 52 weeks of the accident to access statutory benefits. If a dispute arises over treatment costs, SIRA provides a formal review process. Claimants should seek legal advice if they believe their claim is undervalued or denied.
When to Seek Independent Legal Advice
While the CTP scheme covers most treatment costs, claimants should consult a solicitor if:
- They are unsure whether their treatment is eligible
- Their injury results in long-term disability or chronic pain
- They face delays in accessing specialist care
- They need assistance navigating SIRA’s claims process
The NSW CTP scheme aims to ensure injured pedestrians receive timely medical treatment. However, claimants should understand that funding decisions depend on the specific circumstances of each case. For personalized guidance, complete the quick, no obligation enquiry form to request contact about your circumstances.