What Evidence Matters for NSW CTP PIC Claims
If you're applying for compensation under New South Wales' Compulsory Third Party (CTP) scheme after a motor accident, retaining the right evidence is crucial. The Personal Injury Commission (PIC) requires specific records to assess your claim, including medical, financial, and incident-related documentation. This article explains which records to keep, how long to retain them, and where to find official guidance from the State Insurance Regulatory Authority (SIRA).
Key Evidence for CTP PIC Applications
To support your claim, you must provide evidence that your injuries meet the scheme's criteria. SIRA's guidelines outline the types of records that matter:
- Medical records: Detailed reports from doctors, physiotherapists, and specialists confirming your injuries. This includes diagnosis codes, treatment plans, and recovery timelines.
- Accident reports: Police reports, witness statements, and photographs of the scene. These help establish the incident's circumstances.
- Financial records: Proof of lost income, medical expenses, and out-of-pocket costs. This includes payslips, invoices, and receipts.
- Witness details: Names and contact information for anyone who saw the accident or can confirm your injuries.
- Insurance correspondence: Copies of all communications with the at-fault driver's insurer, including claims forms and responses.
How Long to Keep Records
The CTP scheme has specific time limits for claims. For injuries classified as 'threshold injuries' under the Motor Accident Injuries Act 2017, weekly benefits and treatment benefits generally stop after 52 weeks. However, you must retain all records for the full duration of your claim, as the PIC may request them during review.
If your claim involves long-term impairment or lifetime care, you must keep records indefinitely. SIRA advises retaining medical records for at least 10 years, as they may be needed for future assessments.
When to Seek Legal Advice
Disputes over evidence are common. If your claim is denied or you're unsure whether your records meet the PIC's standards, seek advice from a solicitor specialising in CTP claims. They can help you understand whether your evidence is sufficient and whether you qualify for additional benefits.
Example: What to Do After a Minor Collision
Imagine you were in a low-speed collision at a car park. You have bruised ribs and a sprained wrist. You should:
- Visit a medical practitioner within 24 hours to document your injuries.
- Take photos of the damaged vehicles and the scene.
- Keep all medical bills and receipts.
- Contact the at-fault driver's insurer to report the incident.
- Save copies of all correspondence with the insurer.
Next Steps
CTP claims depend on the specific facts of your case. Time limits and evidentiary requirements can vary based on the accident date and injury type. To request contact about your circumstances, complete the quick, no obligation enquiry form.