Resources
Plain-English NSW CTP resources for common issues (reviews, disputes and evidence). General information only.
Quick answer
Start with the page that matches your insurer letter, lodge before any deadline even if evidence is incomplete, and then supplement with a clear indexed bundle. If you are unsure whether your issue is medical or merit, check the PIC pathway guide first.
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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CTP insurer pages (AAMI, Allianz, NRMA, GIO, Youi, QBE)
Insurer-specific NSW CTP claim pages with contact details and claim-start guidance.
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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.
- CTP death claims (funeral expenses and next steps)
- Compensation to relatives dependency claims
- Unidentified vehicle claims
- Uninsured vehicle claims
- Interstate at-fault vehicle claims
- Injured on a bus in NSW claims pathway
- Fox v Wood refund claims
- Bath v Allianz case note (hospital-record silence and causation)
- Park v Allianz case note (mostly-at-fault pedestrian, 70%)
- Zadehfard v Allianz case note (procedural fairness in medical assessment)
- Wade v QBE case note (self-employed PAWE and amended tax return evidence)
- Allianz v Shahmiri case note (PAWE full 12-month averaging under cl 4(1))
- SIRA fraud prosecution update (first prison sentence in NSW CTP scheme)
- NRMA v Kwarteng case note (review panel autonomy and WPI threshold significance)
- Villanueva v Lifetime Care case note (family attendant care rate reasonableness)
- NSW CTP annual data update for claimants (2024–25)
- Can you do a CTP claim and a TPD claim at the same time?
- Regional NSW car accident lawyers and CTP claim help
- Can you change GP or doctor during a NSW CTP claim?
- CTP claim investigation in NSW: what insurers can look at
- Surveillance in NSW CTP claims: what insurers can and cannot do
- Social media and NSW CTP claims: can posts hurt your case?
- Cheng case note (stationary vehicle, not mostly at fault)
- Kojic case note (pedestrian fault findings)
- Evic case note (single-vehicle mostly at fault)
- CTP insurer pages hub (AAMI, Allianz, NRMA, GIO, Youi, QBE)
- AAMI CTP Claim page
- Allianz CTP Claim page
- NRMA CTP Claim page
- GIO CTP Claim page
- Youi CTP Claim page
- QBE CTP Claim page
- Nervous shock claims (primary victims)
- Nervous shock after fatal accidents
- Secondary victim psychiatric injury claims
- Witnessing a fatal car accident: psychiatric injury claim guide
- PTSD after a motor vehicle accident claim guide
- Family member psychiatric injury claims after a car accident
- Lifetime Care and Support Scheme pathway
Multilingual resource hubs
Prefer reading in your own language? Use the localized resource hubs for the same pathways and triage structure.
Frequently asked questions
- I only have a few days left before a review deadline. What should I do first?
- Protect your rights first: lodge a concise request before the deadline with the decision letter, key records, and a short note identifying what evidence is still pending. Then provide the supplementary evidence by a clear date.
- Should I use the resource page under /resources or the main guide page?
- Either can help, but start with the page that matches your current stage. Resource pages are built for quick triage and next-step execution, while main guides usually provide deeper context across the full pathway.
- How do I avoid filing into the wrong dispute stream?
- Classify each insurer reason first (administrative/factual vs medical), map one piece of evidence to each reason, and use the PIC pathway comparison page before filing.
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.