How SIRA Handles Wrist Fractures in NSW CTP Claims
If you’ve suffered a wrist fracture in a motor accident in NSW, SIRA (State Insurance Regulatory Authority) determines your compensation based on the Motor Accident Injuries Act 2017. Wrist fractures are treated as soft tissue injuries under the threshold injury rules, but regional variations in SIRA’s interpretation may affect your claim. This article explains how SIRA applies these rules in the Illawarra and South Coast regions.
Key CTP Rules for Wrist Fractures
Under the Motor Accident Injuries Act 2017, a wrist fracture qualifies as a threshold injury if it meets the soft tissue injury definition. This includes fractures of the wrist bones (radius or ulna) or dislocations. SIRA’s Motor Accident Guidelines specify that injuries must produce neurological signs, such as tingling or numbness, to qualify as soft tissue injuries. For example, a fracture causing nerve-root injury with radiculopathy (pain radiating down the arm) may meet the threshold.
In the Illawarra and South Coast, SIRA applies the same statewide rules but may have local case examples or adjust assessments based on regional medical practices. Always confirm with your insurer or legal adviser whether your injury meets the only injuries criteria, weekly benefits and treatment costs are limited after 52 weeks if your injuries are solely threshold injuries.
Evidence and Practical Steps
To support your claim, gather:
- Medical records confirming the wrist fracture and its impact (e.g., limited mobility, pain)
- Accident reports, witness statements, and photos of the scene
- Proof of income to claim weekly benefits
- Documentation of treatment costs (e.g., physiotherapy, splints)
SIRA covers treatment costs like X-rays, splints, and physiotherapy for threshold injuries. If your fracture requires surgery or prolonged care, you may need to escalate your claim to the NSW Civil and Administrative Tribunal (NCAT) for a higher compensation level.
Time Limits and Dispute Options
You have 52 weeks from the accident date to claim weekly benefits if your injuries are threshold-only. After this period, benefits stop unless your injury meets the whole person impairment threshold (e.g., permanent loss of wrist function). If your claim is denied, you can:
- Request a review from your insurer
- Lodge a complaint with SIRA
- Apply to NCAT for a determination
When to Seek Advice
Regional SIRA interpretations may vary. For example, a wrist fracture with minimal symptoms might be classified differently in the Illawarra compared to Sydney. If your claim is denied or you’re unsure about your eligibility, contact a legal adviser to review your case. General information cannot determine whether your claim is valid.
Next Steps
CTP entitlements depend on the accident date, injury type, and regional SIRA guidelines. To request contact about your circumstances, complete the quick, no obligation enquiry form.