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All registered vehicles must have Compulsory Third Party (CTP) insurance, also known as a ‘Green Slip’ in NSW. This insurance allows you to claim compensation if you’re injured on the road.
A CTP claim covers medical treatment and lost earnings, as well as ongoing care and support if your injuries are more serious.
In NSW, Victoria, Tasmania, the ACT and the Northern Territory, you can make a CTP claim even if the accident was your fault. However, in Queensland, South Australia, and Western Australia, you must show that someone else caused the accident to receive compensation.
If you’ve been injured in a car accident, speak to one of our dedicated CTP insurance lawyers today. We have over 25 years’ experience helping injured Australians make fast, stress-free CTP claims.
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Find out if you’re eligible for CTP compensation today.
While the most common CTP insurance claims are brought by drivers, almost anyone injured on the road may have a claim. In our experience, the following people can generally make a CTP insurance claim:
Car drivers or passengers.
Pedestrians, cyclists or motorcyclists.
Public transport accident victims.
Parents of injured children.
Witnesses to a death caused by a motor accident.
People who lose family members.
‘No Win No Fee’ means your claim is risk-free
We’re proud to offer a genuine No Win No Fee guarantee for all CTP insurance claims. We cover all upfront costs like legal fees, medical tests and expert reports, and there’s nothing to pay unless we win your claim. If we’re unsuccessful, you will never receive a bill from us. It’s that simple.
In NSW, you can make a no-fault CTP insurance claim, meaning you can claim compensation regardless of how the accident happened. The amount you receive depends on the severity of your injuries.
Threshold (minor) injuries
These generally include:
Soft tissue injuries (such as whiplash).
Minor psychological injuries (one that is not a recognised psychiatric illness).
If you’re diagnosed with a threshold injury, you’ll receive weekly payments to cover:
Lost income (if your injury means you’re unable to work).
Hospital, medical and rehabilitation expenses.
Domestic care, whether provided by a professional or friends and family.
Non-minor injuries
These can include:
Significant physical injuries, e.g. broken bones, nerve damage or brain injuries.
Recognised psychiatric injuries, e.g. depression, PTSD or Generalised Anxiety Disorder.
If you’re diagnosed with a non-minor injury, you’ll receive weekly payments to cover:
After a road accident, your safety should be your first concern. Make sure you get the necessary medical treatment for all injuries, even if they seem minor.
To support your CTP insurance claim, there are several things you can do, both at the scene of the accident and in the immediate aftermath.
At the scene (if possible):
Notify the police about the incident.
Collect contact information from any witnesses.
Take photos of the accident scene.
After the accident
Obtain a medical certificate detailing all injuries, regardless of their severity.
Report the accident to the police if you haven't already. For accidents involving public transport, inform the relevant transport company.
Contact a specialist CTP insurance lawyer to understand your rights and entitlements.
Could I have more than one claim?
You may be eligible for multiple claims, depending on your state, how severely you’re injured, and whether you’re able to work.
If another person’s negligence caused your motor accident, you may be eligible for a common law damages claim on top of your CTP claim. However, your injuries typically need to meet your state’s minimum impairment threshold to qualify for compensation. A successful common law damages claim can result in a substantial lump sum payment, covering future lost earnings, medical expenses, and your pain and suffering.
Additionally, if your condition prevents you from returning to work, you may qualify for a Total and Permanent Disability (TPD) claim. As part of our comprehensive service, we identify all your potential claims, often uncovering opportunities for significantly higher compensation beyond your initial CTP insurance claim.
Your CTP insurance claims process
Every CTP insurance claim is unique, and the process depends on your state and whether you were at fault in the accident.
If you’re responsible for the accident and live in a state that allows at-fault claims, you simply need to lodge the claim with your own insurer and wait for their response. Be sure to include all relevant documents, such as doctor’s reports and medical expense receipts.
If the accident was someone else’s fault, the claims process will differ slightly:
Before starting your claim, we recommend consulting with an expert CTP insurance lawyer. We can help you understand your full entitlements and evaluate your chances of success.
During this free consultation, we’ll also determine if you have a common law damages claim, ensuring you receive the maximum possible compensation for your injuries.
To prove your CTP claim, you’ll need to gather expert evidence. Fault-based CTP claims require proof of both your injuries and the other party’s liability — without this evidence, your claim may not be approved.
Using our national network of medical and liability experts, we’ll build you a strong, evidence-based claim. We cover the upfront costs of these experts, so there are absolutely no out-of-pocket expenses and you won’t pay anything unless we win your case.
Once you’ve gathered sufficient evidence, we’ll assist you in lodging your CTP claim against the other party’s insurer. If you’re eligible for a common law damages claim, we’ll also initiate court proceedings at this stage.
The insurer will reach out to confirm whether your claim has been accepted. If it is approved, you should begin receiving weekly payments immediately. If your claim is rejected or the insurer offers less compensation than you deserve, we’ll assist you in appealing their decision.
If we’ve filed a common law damages claim on your behalf, you’ll need to attend a mandatory pre-court mediation with the insurer. To keep your claim stress-free and ensure the best possible outcome, your lawyer will handle all negotiations during this process.
Thanks to our expert preparation and extensive experience with motor accident claims, it’s likely your case will settle at mediation. However, if the insurer still refuses to pay the compensation you deserve, we can take your claim to court.
Do time limits apply?
In NSW, you should file a police report within 28 days of the accident. You then have three months to lodge an Application for Personal Injury Benefits form to the Personal Injury Commission.
If you’re already outside your state’s CTP claim time limit, there are still options available. Our specialist motor accident lawyers have extensive knowledge of time limit exceptions in each state and can help apply for an extension on your behalf. Over the years, we’ve successfully resolved numerous delayed motor accident claims.
Meet the team
Our team use their extensive experience to increase your chances of success. We’ve won many awards for our work, including ‘Compensation Law Firm of the Year 2020 GBM Global Awards.’
Leon Monaco
Managing Partner
English, Russian
Workers Compensation, TPD, Motor Vehicle Accidents, Public Liability
Monaco helped me get much more compensation than I expected.
Monaco Lawyers helped me to receive compensation for an ongoing injury I sustained after I was simply driving home from work and was driven into head on by an incompetent and negligent driver who I believe was texting at the time of the accident.
Monaco Lawyers were keen to help me, understanding and easy to work with. I received more than I thought I would get with the help of one of the Monaco Lawyers who knew exactly what she was doing, and fought on my behalf for a very good outcome.
I continue to have problems with my foot, but I feel I have received justice for something that was completely not my fault.
I am forever thankful! God bless you for being there for me whenever I called.
Monaco Compensation Lawyers are second to no-one. Anthony and his team were there for me every step of the way. When I got disheartened or down, I would make one phone call to the team at Monaco Solicitors, and they were there for me instantly—reassuring me and consoling me.
I was completely surprised and also delighted by the outcome. Thank you so much, Monaco Compensation Lawyers. You changed my life forever; for the better. We were extremely successful and I am forever thankful. God bless this amazing team.
Good result! We had a complicated claim but they got the job done.
My brothers and I had a complicated claim. I found Ben Ralph to be very helpful, himself and Sally Sutton worked hard for just over a year to get through our claim. They achieved a good result and got the monies paid to myself and my brothers.
Their communication was fantastic, and they would always let us know when they had an update or when they expected an update. If I had a question Ben was always happy to answer to the best of his knowledge and do extra research if he was un-sure. We went with Ben because he specialized in super and feel that he did an awesome job with our claim, I would definitely recommend Ben and his team. He was very professional but also had some empathy and understanding which was nice 🙂
Thank you for accomplishing so much in such a short time.
Great communication, empathy and understanding. My case worker Daniella was a saint, understanding and patient and always passing on any updates in record time.
I was at rest in a very stressful situation, a bad situation. It was made to cope with because of the professionalism displayed at every turn by this super supportive team.
A Massive thank you to Daniella from me personally for all that you were able to accomplish in such a short time. To say I owe you is an understatement.
I knew it from the very first phone call: I had found a compassionate law firm.
Monaco Solicitors, I have no hesitation in recommending Daniella Dababneh and her team. After I suffered a serious workplace accident, I was in need of legal help.
From the very first phone call, I was treated with respect and I was always kept in the loop of the status of my claims, Early Release of Super & TPD. Both claims have been successful.
They helped me juggle my injury claim and my mum's full-time care.
I highly recommend Monaco Solicitors. I was claiming PI through my superannuation for workplace injuries. They were doing a no win no fee which was great as I am a carer for my mum and don’t earn much.
Everyone I dealt with were so kind and helpful. They helped me where I was finding things difficult due to caring for my mum. They kept me up to date on what was happening.
Monaco Solicitors are very professional and I would recommend them if you are looking for a good solicitor.
Monaco is the place to go for a lawyer that cares. You're in safe hands.
They helped me when I needed it the most. Monaco are very informative and genuinely care about the outcome of your matter. Navigating the CTP, ICP and TPD system can be very overwhelming. They reduce this where every they can.
Monaco explain things in a way you would understand, instead of lingo insurance and other companies like to use. Monaco Solicitors are amazing! So to any of you who are needing legal support/representation, know you will be in safe hands if you choose Monaco Solicitors!
I'm glad my friend recommended Monaco. I was happy with the result.
Green Slip Claim: I switched from another Law firm to Monaco on advice from a friend. I am so glad I did, within weeks I was sent off for further scans which led to proof of the pain I was in. All throughout the claim process I was kept up to date. Once settled I was more than happy with the end result. I would definitely recommend Monaco Compensation Lawyers, thanks.
The bill? Surprisingly reasonable, less than expected.
Sally was very helpful and always kept me up-to-date so if you ever use Monaco Solicitors just make sure you get Sally she’s very good. And the bill was very reasonable I thought it would be higher.
Monaco's help reduced a 12-month process to just a few months.
My father originally found Monaco online for super claims,. They had discussed with him in great detail the processes and had been kind and very helpful a few years ago. When needing help with my mothers super claim I knew I could trust Monaco again.
Not only have we had weekly updates and a great team of support, it has been an easy process. When busy or unable to process documentation ourselves they have proceeded on our behalf and what could have been a 12 month process has only taken a few months with their constant drive and assistance along the way. Thank you to the team! You have saved me a lot of lost time and it is worth every penny spent when the amount of stress is taken away.
If you’re injured on the road, getting basic CTP insurance compensation may seem straightforward. However, ‘basic’ compensation doesn’t fully address the ongoing medical expenses, domestic care costs, and pain and suffering caused by your injury. That’s where we come in.
Our lawyers use proven legal strategies and expert evidence to establish liability in even the most complex cases. We’ll also identify your additional claims, including common law damages and TPD, ensuring you receive maximum compensation for your injuries.
Voted ‘Compensation Law Firm of the Year in Australia 2020,’ we’re industry leaders with the experience to take on even the biggest state insurers.
Contact us today for free advice on your CTP insurance claim. Discover how much you could receive and whether you qualify for any other claims.
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Use our online claim checker to instantly find out if you have a claim. Alternatively, just give us a ring — our expert lawyers are always ready to answer your questions.
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