Health first — get checked, even if you feel okay
The most important thing after a crash during pregnancy isn't the claim — it's getting assessed. Even a low-speed knock warrants a check, because some complications don't show themselves straight away. Go to your maternity team or hospital promptly after the accident, and go back if anything changes.
We don't give medical advice — your obstetric team leads that, completely. What we can say is that early and ongoing assessment is both medically wise and the foundation of a strong claim, because it documents the crash and any effects clearly from the start.
What the NSW CTP scheme covers
A pregnant person injured in a NSW motor accident has the same access to the CTP scheme as anyone else — and the scheme covers reasonable and necessary treatment related to the crash:
- Treatment for crash injuries — whiplash, soft-tissue injuries, and anything else caused by the accident.
- Additional monitoring recommended by your treating doctors because of the crash, where it relates to the accident.
- Income support if the crash and your injuries stop you working — for up to 52 weeks.
- Psychological treatment where a clinician diagnoses a condition connected to the crash.
The precise coverage turns on what your clinicians recommend and how it ties back to the accident — which is part of what we work through with the insurer on your behalf. See statutory benefits explained.
The injuries that need careful attention
Alongside the usual crash injuries — whiplash, back and shoulder strains — pregnancy brings specific clinical concerns that your maternity team will be watching for, including the effects of abdominal trauma and seatbelt loading across the body. Again, that's their domain, not ours. We flag it only to underline why prompt and repeated assessment matters, and why a thorough medical record protects both your health and your claim. See whiplash claim NSW.
The emotional side counts too
A crash while pregnant can leave real anxiety — fear for the baby, fear of driving, trouble sleeping. A psychological injury caused by the accident is treated in the claim like any physical one, where a treating clinician diagnoses it and connects it to the crash. You don't have to tough that out alone. See psychological injury after a car accident.
Passengers and family-member drivers
If you were a passengerwhen the crash happened, you have your own claim in your own right against the at-fault driver's CTP insurer — and that holds even if the driver was your partner or a family member. Pregnancy doesn't change it, and being a passenger often puts you in a strong position.
If you can't work during recovery
A crash injury during pregnancy can affect your ability to keep working — whether through the injury itself or the additional rest and monitoring your doctors advise. Where that happens, the income support side of the claim is there: weekly payments while you can't work, for up to 52 weeks, on the same basis as any other injured person. That can ease the pressure of stepping back from work earlier than planned, on top of the leave arrangements you may already have. We work out how the support fits with your circumstances so you're not guessing about money on top of everything else.
The deadline still applies
Pregnancy doesn't pause the 28-day window to lock in backdated benefits. We completely understand that claim paperwork is the last thing you want to deal with right now — which is the whole point of making one call and handing the claim side to us. See the 28-day rule.
What we do for you
One call, handled gently. We get the claim in inside 28 days, set up treatment and income support, and liaise with the insurer for any crash-related monitoring your doctors recommend — all without adding to your plate. You focus on your health and your baby; we carry the claim. We don't take a contingency cut from your damages.
Take the short check at /check, or call (02) 7238 7379 and a real person picks up.