Resources
Plain-English NSW CTP resources for common issues (reviews, disputes and evidence). General information only.
Internal review (NSW CTP)
How to challenge an insurer decision: time limits, evidence and next steps.
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PIC: merit review vs medical assessment
Which pathway applies for your dispute (and what evidence matters).
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Independent Medical Examinations (IMEs)
What an IME is, what to expect, and what to do if it affects your benefits.
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Treatment refused (reasonable & necessary)
Why insurers refuse treatment and how to dispute the decision.
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Contributory negligence (shared fault)
How partial fault is assessed and how it affects benefits and damages.
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Motor accident during work (CTP + Workers Comp)
How dual lodgement works, who pays first, and how the section 151Z payback rule affects net outcomes.
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PAWE scenarios hub (employees, contractors, students)
Detailed PAWE pathways for different employment patterns and disputed earnings profiles.
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Professional referrals (lawyers, clinicians, support workers)
Referral pathway for professionals supporting injured people under NSW CTP claims.
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Common dispute pathways
Go straight to the dispute type that matches your insurer decision letter.
Motor Accident Guidelines quick links
If your insurer relies on the Guidelines, jump to the Part that usually controls the decision.
PAWE scenario quick links
If your weekly payments issue is about pre-accident earnings, start with the PAWE scenario that best matches your work pattern.
Special claim type quick links
For less common claim categories, start with the pathway that matches your legal scenario.
Need help urgently?
If you've received an insurer decision letter, time limits may apply. Use the contact page to send it through and we'll advise on next steps.