If you're applying for a Personal Injury Claim (PIC) under New South Wales' Compulsory Third Party (CTP) scheme, retaining the right evidence is critical. The NSW Motor Accident Injuries Act 2017 and the Personal Injury Commission (PIC) require specific records to support your claim. This guide explains what evidence to keep, how to organize it, and why it matters for your claim.
What Evidence Is Needed for a PIC Claim?
Under the CTP scheme, you must provide evidence of your injury, the accident, and your entitlement to benefits. Key documents include:
- Medical records: Detailed reports from doctors, physiotherapists, or specialists confirming your injury and treatment.
- Accident reports: Police reports, witness statements, and photos of the scene.
- Witness details: Names, contact information, and statements from anyone who saw the accident.
- Income records: Proof of lost wages or reduced earning capacity.
- Medical bills: Receipts for treatment, medications, or equipment.
- Insurance correspondence: Emails or letters from the at-fault driver's insurer.
How to Organize Your Evidence
Create a clear system to store and reference your documents. Use folders or digital tools to:
- Store medical records in chronological order.
- Keep accident reports and photos in one folder.
- Note dates, times, and locations of all events.
- Save copies of all correspondence.
A well-organized file helps the PIC assess your claim efficiently. For example, a cyclist injured in Auburn who kept photos of the accident site and medical notes was able to secure weekly income benefits.
Why Evidence Matters for Your Claim
The PIC evaluates claims based on the evidence provided. Missing records can lead to delays or rejection. For instance, if you don’t have medical records proving your injury, the claim may be denied. The 52-week limit for benefits also applies if your injuries are classified as 'threshold injuries' under the Motor Accident Guidelines.
Time Limits and Disputes
You have 52 weeks from the accident date to claim benefits for threshold injuries. If your claim is disputed, you can request a review with the PIC. Seek legal advice if you face challenges with your evidence or deadlines.
When to Seek Legal Advice
Consult a solicitor if:
- You’re unsure about your claim’s validity.
- Your injuries are complex or require specialist assessment.
- You face disputes over your evidence.
Next Steps
CTP claims depend on the accident date, injury type, and evidence quality. To request contact about your circumstances, complete the quick, no obligation enquiry form.