Compulsory Third Party (CTP) Lawyers

If you are injured in a car accident, you may be able to make a CTP claim to obtain compensation for any injury sustained in the accident. A CTP claim is for personal injury only. Any damage to the car itself is claimed through the other driver’s property motor vehicle insurance or if they don’t hold such insurance, from your own comprehensive motor vehicle insurer.

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Free Case
Assessments

Industry Experts: 20+ years of experience

No Win No Fee Guaranteed

How to claim CTP

To make a CTP claim, you will need to follow these simple steps:

Obtain the drivers and registration details of the car at fault.
Take photos of the accident scene and damage to both vehicles.
Record the contact details of any witnesses to the accident.
Report the accident to the NSW Police within 28 days and obtain an event number. If the Police didn’t attend the scene call them on 131 444 and report the accident and obtain an event number.
Do not admit you were at fault and do not blame anyone else of being at fault
Visit your doctor for treatment and ensure the doctor records;
- That the injury was sustained in a car accident
- The body part/s injured in the accident, even if only minor/ All injuries major or minor should be recorded in the clinical notes.
Complete an Application for Personal Injury Benefits within 28 days. This can be found on the SIRA website HERE

Are there time limits when it comes to making a ctp claim?

You have 28 days form the date of the accident to complete the Application for Personal Injury Benefits. If you don’t complete the form with 28 days you can do so up to 3 months late.

You must also notify the Police within 28 days of the car accident and obtain an Event number. If the Police didn’t come to the scene of the accident it can be reported by phone on 131 444.

Other issues

When making your CTP claim, it is important that you:

Do not give a statement to an investigator appointed by the insurer without speaking to an Accredited Specialist in Personal Injury Law.
Do not settle your claim without consulting an Accredited Specialist in Personal Injury Law. Insurers make low initial offers to see if they can resolve claims cheaply.

The CTP claims system in NSW is complex and you should obtain the assistance of a lawyer who is an Accredited Specialist in Personal Injury Law. You will not have to pay any legal costs until the claim is finalised, and if you do not get the compensation you will not be charged legal fees (No Win No Fee).

If you need assistance with the CTP claims process, please do not hesitate to contact our lawyers as follows;

Complete our FREE case assessment form HERE
Email us at info@garlingandco.com.au
Give us a call on (02) 8518 1120

For further reading, review our Motor Vehicle Compensation Claims Success guide here.

The Claims Process:

Obligation free meeting with Accredited Specialist in Personal Injury Law
Understand what you are entitled to, the process and timeframe
Proceed on a No Win No Fee basis
Your case is built using the best experts to achieve the optimum result
Your will be kept updated throughout the process
We will secure the financial result in the shortest possible timeframe

Would you like assistance with your claim?

Complete our free, no obligation confidential case assessment form and we’ll get back to you within 24 hours.

Alternatively, we are available to talk by phone and email. Please contact our experienced accredited specialist personal injury lawyers to find out how we can help.

Call now to start your claim 02 8329 9500

No Win No Fee

You won’t be required to pay any fees until we win your case.

Industry Experts

We’re industry experts with over 20 years of experience.

Maximum Compensation

Our team of expert injury lawyers will help you get maximum compensation.

T M

08:15 27 Feb 25

To describe my experience with Garling & Co Lawyers as transformative would be an understatement. From the moment I engaged their services, I was met with a level of professionalism, compassion, and... legal acumen that is truly unparalleled. At the heart of this exceptional team is Mr. Matthew a man whose profound intellect, vast experience, and unwavering commitment to his clients set him apart as one of the finest advocates in the field of personal injury law.Mr. Matthew possesses an extraordinary depth of knowledge, honed by years of navigating the complexities of personal injury claims. His ability to anticipate challenges, strategize effectively, and counteract adversarial tactics is nothing short of remarkable. In my case, where I suffered a debilitating back injury as a result of a workplace accident, the road to recovery both physically and legally felt insurmountable. Insurance companies and medical examiners sought to downplay the severity of my condition, attempting to minimise my impairment rating and deny me the compensation I rightfully deserved. Yet, Mr. Matthew stood firm, refusing to let them diminish the gravity of my suffering.What struck me most about Mr. Matthew and indeed the entire team at Garling & Co is their genuine care for their clients. Mr. Matthew is not merely a lawyer; he is a compassionate advocate who understands the human element behind every case. He listened intently as I described the chronic pain, mobility limitations, and emotional toll caused by my back injury , treating my story with the seriousness it warranted. His internal and external team, equally brilliant and dedicated, worked tirelessly to gather medical evidence, consult specialists, and build an unassailable case that highlighted the true extent of my injuries. Together, they formed an unstoppable force, driven by a shared mission to deliver the best possible result for their clients.The professionalism exhibited by Garling & Co is of such a high caliber that it defies belief. Every interaction was marked by courtesy, precision, and transparency. They communicated with me regularly, keeping me informed at every stage of the process and ensuring I felt empowered rather than overwhelmed. Their ability to simplify even the most intricate legal matters into understandable terms speaks volumes about their expertise and client-centered approach.Thanks to Mr. Matthew and his team, what began as a daunting and disheartening journey ended in triumph. Facing a severe back injury that left me unable to work or enjoy life as I once did, I encountered countless obstacles designed to diminish my claim. Yet, under Mr. Matthew’s guidance, those barriers were dismantled one by one. The result he achieved for me was not just satisfactory it was extraordinary. He secured the maximum compensation I deserved, restoring not only my financial stability but also my faith in the legal system.If you find yourself grappling with the aftermath of a personal injury, whether it be a back injury , workplace accident, or any other trauma, I implore you to place your trust in Garling & Co Lawyers. They are more than capable of turning despair into hope, adversity into victory, and injustice into resolution. With Mr. Matthew leading the charge, you can rest assured that your case will be handled with the utmost integrity, intelligence, and tenacity.In closing, I wish to express my deepest gratitude to Mr. Matthew and the entire team at Garling & Co. You have made an indelible impact on my life, and I will forever be indebted to you for your tireless efforts and unwavering support. To anyone seeking representation that combines brilliance, professionalism, and genuine care, look no further Garling & Co is the epitome of excellence.read more

S Z

07:46 27 Feb 25

I cannot express enough gratitude for the exceptional support and dedication provided by Garling & Co Lawyers, particularly Mr. Matthew, Alison, and their incredible team. They have been nothing... short of a lifeline during one of the darkest chapters of my life a time when I felt abandoned, broken, and unsure if anyone could truly help me.After sustaining multiple disabilities from a workplace injury, I was left grappling with physical pain, emotional turmoil, and overwhelming uncertainty about my future. I had initially turned to another law firm one of those big names everyone talks about but they failed me. Despite their promises and polished reputation, they couldn’t deliver when it mattered most. Faced with insurance medical examiners determined to downplay my injuries and strip away my rights, I felt powerless. It seemed like no one was on my side until I found Garling & Co.From the very first conversation, Matthew, Alison, and the entire team showed me what real compassion looks like. They didn’t just hear my story; they felt it. Every phone call I made was answered with patience and understanding. Every question I had was met with clarity and reassurance. For the first time in months, I felt seen, heard, and valued not as a case file, but as a person.What sets Garling & Co apart isn’t just their unmatched legal expertise it’s their humanity. They understood the weight of what I was carrying, and they carried it with me. Where others saw obstacles too great to overcome, they saw opportunities to fight harder. Their wisdom, determination, and relentless pursuit of justice transformed a losing case into a victory that exceeded all expectations.The difference between my previous lawyers and Garling & Co? Heart. My former lawyers treated my case like a transaction; Garling & Co treated it like a mission. They refused to let the insurance company minimize my suffering or dismiss my struggles. Instead, they fought tooth and nail to secure the maximum impairment compensation I deserved a result I never dreamed possible after everything I’d been through.If you’re reading this and feeling lost, scared, or defeated, please know there is hope. No matter how complex or challenging your situation may seem, Garling & Co will stand by you. They’ll dig deep, work tirelessly, and leave no stone unturned in their quest for fairness and justice. You won’t just be hiring lawyers you’ll be gaining advocates who genuinely care about your well-being and your future.To Matthew, Alison, and the entire team at Garling & Co: thank you!!! doesn’t feel like enough. You’ve given me back my dignity, my peace of mind, and my belief that good people still exist in this world. If anyone is searching for a team that will pour their heart and soul into your case, look no further. These are the lawyers who will turn your darkest days into brighter tomorrows.read more

Jude M.

03:54 21 Feb 25

I rang Mr Matthew Garling on a matter, and Matthew gave me his time and honest advice from goodwill. Matthew is a very honest, good man of integrity who went beyond the call of duty. I would highly... recommend Matthew and his company.read more

Pouya Zadbar T.

01:36 15 Feb 25

Garling and Co were very helpful and did their best to get the most payout for my mothers workers compensation claim. We were very happy with their patience and understanding as this was a long and... trying process with the insurance. I Would definitely recommend their services.read more

Don T.

05:59 13 Feb 25

I had an occupational accident for 2 years and after the surgery for a whole year there was no good result and my body was in so much pain that I could not return to work. Everyone told me to find a... lawyer immediately, I did not know which lawyer could help me so I searched on Google. After searching I found that many clients were very satisfied with Garling & Co, so I texted Garling & Co. They immediately called back and asked if I felt pain and could not come to the office, they would come to see me but I replied that I could come. And the legal journey started from there. I met Mr. Garling who was about my age but very enthusiastic and dedicated and he explained and advised me in a way that I could understand all the questions and I agreed with him very much, then he handed over my case to Ms. Allison to contact me. Everything went very well according to his arrangements from the first step to the last step. Until the last day, he explained how the negotiation was going and I understood the whole story. I did not ask for too much and the number I gave was quickly agreed to avoid lengthy legal headaches. In total, after 4 years of the accident and almost 2 years with the help of Garling & Co, everything was resolved happily for all parties. Once again, I thank Mr. Garling, Ms. Allison and everyone at Garling & Co for helping me, they are wonderful and I hope they will continue their good work helping people who need legal help like I need help. Thank you very much Garling & Co.read more

Pedro M.

04:26 11 Feb 25

Thank you so much for all the help and support this past years.I recommend it to anyone who needs help.Thanks again and all the best for the Garling & Co team and a special thanks to Kerry Byrnes.

Ron J.

03:49 11 Feb 25

I had an overall good experience with Garling and Co. I was the victim of a major motorvehicle accident in April 2021. There were a few complications in my case including me having to move overseas... for 2 years temporarily during the progression of my claim and original lawyer from Garling that handled my case leaving the firm. The move overseas resulted in the insurer cutting off my income replacement, which lasted for 9 months, which as you can imagine created a major financial strain on the family On both these occasions, Garling worked to get a good result. They fought in front of the NSW Panel, and got a reported decision that states that all Permanent Residents and Citizens of Australia have the right to be paid income replacement even when overseas, during an accident claim under CTP cover. They also worked very hard in the face of a typically uncooperative and obstructive insurer to progress my claim over the last (almost 4 years) and the replacement lawyer Kerry Burns has done amazing work, with care, empathy and professionalism. I've had a good experience with them!read more

Sandra C.

03:27 06 Feb 25

Garling & Co Lawyers were professional from start to finish. They made me feel like I was as important to them as all their clients. Emma Perkins and her team went over and above in all aspects to... exceed my expectations. Highly recommended.read more

kokomo U.

01:38 15 Jan 25

Such a difficult time for me and so grateful to have alison and Mathews help...knowing I could trust in their knowledge, along with the understanding and compassion I received helped make a trying... time easier to navigate. Thankyou guys, would highly recommendread more

Sam H.

09:47 17 Dec 24

Very knowledgeable, explains everything very clearly and highly recommend.

Frequently Asked Questions

1. What is the scheme for people injured in motor vehicle accidents in NSW?

If you get injured in a motor vehicle accident in NSW, you can claim personal injury compensation under the Compulsory Third Party (CTP) Scheme. This scheme is governed by the Motor Accident Injuries Act NSW (2017) (MAIA), and SIRA oversees such claims.

SIRA is the statutory corporation that regulates the Motor Accidents Scheme, provides guidelines to insurers for handling of claims and provides dispute resolution assistance between insurers and people injured in motor accidents.

2. What do I do if the insurer asks an investigator to take a Statement from me?

As part of the investigation process, the CTP insurer will appoint an investigator to speak to the drivers of the vehicles and all witnesses. It is likely they will contact you to provide a statement as to the circumstances surrounding the accident and the nature and extent of your injuries.

You should provide a statement to the investigator; however, you should only do so with the assistance of a lawyer. You need to be careful what you say in the Statement as this can be used against you.

The information contained in the statement must be accurate and relevant. Often insurance investigators can put their spin on your words in completing the statement, and you need to be careful with how the statement is worded. If possible, you should have a lawyer assist you in completing any statement provided to the insurer or their investigator.

3. How to claim your ctp green slip refund

A Green Slip is an insurance policy, linked to a motor vehicle that provides compulsory third party (CTP) Personal Injury Insurance. This insurance covers you or the person driving your vehicle if the driver of your vehicle causes injury to someone else.

An injured person claims against the CTP Insurance of the vehicle which they consider caused the accident or if only one vehicle involved the CTP insurance of that vehicle

CTP insurance is compulsory and is taken out when registering a Motor Vehicle in NSW.

CTP insurance does not cover damage to your car or other motor vehicles, and it only covers personal injury.

4. What is the MCIS Levy?

All green slips now show the MCIS (Medical Care and Injury Services) Levy, as a separate item on the green slip.

The levy is payable to fund the Lifetime Care and Support Scheme (LTCS). The LTCS Scheme provides medical care, treatment, rehabilitation, attendant care to the catastrophically injured in car accidents such as severe spinal cord injury, or traumatic brain injury.

The levy is an additional payment on top of the CTP insurance to cover the care for those people catastrophically injured in Motor Vehicle Accidents.

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