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 a vision loss injury in a motor accident in NSW, understanding your CTP claim options is critical. Under the Motor Accident Injuries Act 2017, injured persons may claim treatment costs, rehabilitation planning, and income support for eye injuries. This guide explains how SIRA assesses vision loss claims, what evidence is needed, and how to plan for long-term recovery in Western Sydney.
How CTP Claims Work for Eye Injuries
CTP claims cover treatment and rehabilitation for injuries caused by motor vehicle accidents. For vision loss claims, SIRA evaluates whether the injury meets the 'threshold injury' definition under the Motor Accident Guidelines. This includes injuries like corneal damage, retinal detachment, or vision loss requiring surgery. Rehabilitation planning may involve specialist eye care, vision therapy, or adaptive equipment to restore function.
Evidence Needed for Vision Loss Claims
To support a CTP claim for eye injuries, you must provide:
- Medical records confirming the injury's cause and treatment
- A specialist report linking the accident to the vision loss
- Evidence of ongoing treatment needs, such as therapy schedules or equipment costs
- Income records to claim weekly benefits if the injury affects earning capacity
SIRA requires these documents to assess both treatment costs and rehabilitation planning options.
SIRA's Role in Rehabilitation Planning
SIRA evaluates whether rehabilitation services are 'reasonably necessary' under the Motor Accident Injuries Act 2017. For example, if vision loss requires a specialist to retrain daily living skills, SIRA may approve funding for occupational therapy. The assessment considers:
- The severity of the vision loss
- The likely long-term impact on daily activities
- The cost-effectiveness of proposed treatments
- Whether the injury meets the 'whole person impairment' threshold for additional benefits
Time Limits and Dispute Options
You have 52 weeks from the accident date to claim weekly income benefits for injuries that don't meet the threshold injury definition. For more severe injuries, benefits may continue beyond this period. If you disagree with SIRA's assessment, you can:
- Request a review by SIRA's internal team
- Seek mediation through the NSW Civil and Administrative Tribunal (NCAT)
- Consult a solicitor to explore legal options
Practical Steps for Western Sydney Claimants
- Visit your local SIRA office in Western Sydney to discuss treatment options
- Keep all medical records and correspondence with specialists
- Document how the vision loss affects daily tasks, such as reading or mobility
- Seek advice from a solicitor if you need help navigating SIRA's assessment process
When to Seek Legal Advice
Consult a lawyer if:
- Your vision loss is worsening despite treatment
- SIRA refuses to approve necessary rehabilitation services
- You need help negotiating with your insurer
- You're unsure whether your injury meets the threshold injury definition
Every claim depends on its own facts. To request contact about your circumstances, complete the quick, no obligation enquiry form.