NSW Motor Vehicle Accidents (CTP)

1. See your Doctor:
   If you have been injured in a motor vehicle accident, the first thing you should do is seek medical attention. Request a certificate of fitness from your doctor.
   
   
2. Notify the Police:
   Report the accident to the police within 28 days and obtain a Police Accident Report Reference Number.
   
   
3. Contact and Lodge your CTP Claim:
   Begin the claims process by contacting your CTP insurer. Provide them with details of the accident, other drivers involved, and any witnesses. Complete and submit the required form and supporting documents as requested by your CTP insurer.
   
   
4. Wait for a Decision:
   CTP insurance will review your claim and contact you with a decision. If accepted, they will provide compensation for your injuries.
   
   
5. Come see us:
   Once your claim is approved, you can come see us for Physiotherapy. Give us a call, and our admin can direct you to the nearest Physiotherapy center.
   

What to bring to your Physio Appointment:

• Approved claim number and CTP insurer details
• Doctors Certificate of Capacity, scans, doctor referrals

What Physiotherapy can do for you:

• Our experienced Physios can address common injuries from MVAs that include:
• Whiplash injuries: reduced neck movements, neck pain, upper back pain, radiating pain to shoulders, cervicogenic headaches
• Back injuries: upper to lower back, sciatica
• Upper limb involving the shoulder, elbow, wrist and hands
• Lower Limbs involving the hip, knee ankle
• Fractures
• Soft tissue injuries
• Nervous shock/Psychological injuries
• Brain injuries and spinal cord injuries
• Headache related symptoms, cervicogenic headaches

Multidisciplinary Team Approach:
A multidisciplinary team approach can provide comprehensive care with various healthcare needs. Other allied health professionals that can be involve includes:

• Administrator: The administrator can assist with booking appointments and filling out necessary paperwork.
• Physiotherapist: The physiotherapist can help with musculoskeletal injuries and fracture management, providing patients with expert advice on how to improve their mobility and strength.
• Exercise Physiologist: The exercise physiologist can help patients progress to a more active approach for reconditioning, providing customized exercise programs to improve their overall health and wellness.
• Psychologist: The psychologist can screen patients for trauma, shock, signs of PTSD, as well as address anxiousness and adjustment disorders. They can help patients cope with emotional and psychological stress and provide strategies for managing symptoms.
  By working collaboratively, this multidisciplinary team can develop a personalised treatment plan that addresses all aspects of your health and well-being for best possible outcomes.

Frequently Asked Questions (FAQs):

1. What is CTP?
   Compulsory Third Party insurance is compulsory for all vehicles in NSW that covers medical treatment, including physiotherapy, regardless of fault in the event of an accident.
   
   
2. Can I get Physiotherapy treatment before my insurer approves my claim?
   Yes, you may be able to receive up to two sessions of Physiotherapy treatment before your insurer approves your claim, but you need to be assessed by a GP and obtain approval from your insurer.
   
   
3. Will treatment cost me?
   No! If you have an approved claim number from the insurance, your physiotherapist will submit a request for further treatment from your insurer. We will directly invoice the insurer and you will not need to pay upfront for your treatment.
   
   
4. How can Physiotherapy help?
   Our Physiotherapist can provide some effective treatments to alleviate symptoms. We use hands-on techniques to restore normal movement, improve range, reduce muscle tension, and prescribe appropriate exercise to regain normal strength and endurance.
   
   
5. What can I claim from my insurance?
   CTP insurance typically covers the cost of reasonable and necessary medical treatments including physiotherapy that are related to your motor vehicle accident.
   CTP insurance typically covers the cost of reasonable and necessary medical treatments, including physiotherapy, that are directly related to a motor vehicle accident injury.
   
   
6. Can I choose my Physiotherapist under CTP insurance?
   You can choose your own therapist as long as they are licensed or registered in treating motor vehicle accident injuries.
   
   
7. How long do I have to see a physiotherapist for my injury?
   The duration of physiotherapy treatment for a motor vehicle accident injury may vary depending on the severity of the injury and the type of treatment needed. From the start of April 2023, you can be covered for 52 weeks.
   
   
8. What should I expect during my Physiotherapy treatment?
   Your Physiotherapist will perform a comprehensive assessment of your injury and physical function to develop a treatment plan. Treatment will involve both active and passive therapies that involve exercises as well as manual therapy to improve your overall function.
   
   

Facts:

• “You might not need to lodge a claim to receive early treatment. Once you notify the relevant insurer, they can approve a GP visit and two treatment sessions such as for physiotherapy without further documents.”
• “CTP scheme allows an injured person to claim statutory benefits for a fixed period, regardless of fault. You can get income support and treatment benefits up to 52 weeks”