Question 1

How is this different from calling a compensation lawyer?

Accepted Answer

We're a compensation service — same product, different shape. A traditional law firm takes the claim when you're injured and not at fault, and usually only if your injury is non-threshold. We take every customer. At-fault, not-at-fault, threshold, non-threshold — we run the claim. Legal representation sits inside our service, run by qualified NSW legal practitioners on your file. The car and medical work gets coordinated behind the scenes as part of your claim, at no extra charge.

Question 2

Lawyers told me I don't have a case — can you check?

Accepted Answer

Yes. Two of the most common reasons lawyers decline files: (1) you were at fault, so there's no damages claim for them to cut their fee from; (2) your injury is threshold, capping statutory benefits at 52 weeks with no damages door. Either way, you may still be owed a year of statutory benefits — income support and medical — and we run that the same way as any other claim. Take the quiz at /check or call us. 'Lawyer said no' is often 'lawyer said no to their business model', not 'you're not entitled'.

Question 3

Do you pass me to a law firm?

Accepted Answer

No. Legal representation sits inside the service. When your claim needs legal work — dispute, assessment, damages — a qualified NSW legal practitioner runs that piece on your file, talking to your case manager. Not referred out. Not billed separately. One service, one file.

Question 4

What's the difference in fees between you and a law firm?

Accepted Answer

On the legal piece alone, costs are regulated under NSW MAIA 2017 — what gets charged for a damages claim is capped by law, whether a standalone firm or our in-house NSW legal practitioner runs it. So the legal costs are the same. Where we differ: we don't take a contingency cut from your damages settlement the way most compensation lawyers do. We run the claim as a service, with the car and medical work coordinated behind the scenes, no separate billing for any of it.

Question 5

What if I've already signed with a law firm — can I switch?

Accepted Answer

Usually, yes. Most compensation retainers can be terminated in writing at any time. The firm may bill for work already done, and those costs come out of your eventual settlement. We walk you through the switch — letter to the firm, transfer of your file, fresh intake at our end — without drama. Call us before you sign or move anything if you want us to look at the retainer first.

Question 6

Do you have lawyers?

Accepted Answer

Yes. Legal representation is part of the compensation service. When your claim reaches the point where a qualified NSW legal practitioner needs to run it — dispute, assessment, damages, court if it ever gets there — they're inside Accident Hub, on your file, talking to your case manager. Not referred out. Not separate.

Question 7

Why would I use you instead of a traditional compensation lawyer?

Accepted Answer

Three reasons. One: we take every customer, including the at-fault injured drivers most law firms won't touch. Two: no contingency cut from your damages — you keep 100% of your settlement. Three: the car, medical and insurer side get coordinated as part of the claim, not chased separately. Same claim pursued, same NSW MAIA 2017 costs on the legal side, but we run more of the job.

Question 8

Do you take at-fault clients? A lawyer told me no.

Accepted Answer

Yes. Under NSW MAIA 2017 even at-fault drivers get up to 52 weeks of statutory benefits — income support and medical — regardless of who caused the crash. Most compensation lawyers won't run these because there's no damages claim to bill against. We run them because it's the same case manager, the same intake, and the same job of keeping benefits flowing and treatment approved. It's the clearest example of what we do differently.

Question 9

Are you cheaper than a law firm?

Accepted Answer

On the legal piece alone, costs are regulated by NSW MAIA 2017 — capped by law either way. What changes: we don't take a contingency cut from your damages settlement, and the rest of the accident (car, insurer, medical coordination) sits inside the service. You're not billed separately for any of it. One file, one set of numbers, every cost in plain English up front.

Question 10

What does 'at fault' actually mean?

Accepted Answer

'At fault' means you were legally responsible for the crash — ran a red, rear-ended someone, drifted across lanes. It's decided by the facts (statements, damage patterns, CCTV, police reports), not by what anyone says at the scene. Fault affects whether you can pursue damages, but it doesn't block you from 52 weeks of statutory benefits under NSW MAIA 2017.

Question 11

What's the difference between threshold and non-threshold?

Accepted Answer

Under the NSW Motor Accident Injuries Act 2017, injuries are classified. 'Threshold' (formerly 'minor') injuries are soft-tissue injuries — and psychological or psychiatric injuries that aren't a recognised psychiatric illness — that get statutory benefits but don't open the damages door. 'Non-threshold' injuries are more serious — fractures, nerve injury, complete or partial ruptures of tendons, ligaments, menisci or cartilage, traumatic brain injury, recognised psychiatric illness like diagnosed PTSD or major depressive disorder — and can access both statutory benefits and a damages claim. Classification gets fought over; we argue it properly.

Question 12

Can I claim if I'm partly at fault?

Accepted Answer

Yes. Partial fault — called 'contributory negligence' — reduces your damages payout proportionally, but doesn't shut you out. If you're 25% at fault, you get 75% of the damages. Under NSW MAIA 2017, statutory benefits continue even when you're partly at fault (unless your share exceeds 61%, in which case you're treated as 'mostly at fault'). From 52 weeks after the accident, weekly payments may be reduced to reflect contributory negligence. We push back when insurers try to inflate your share of blame.

Question 13

What if I don't know whose fault it was?

Accepted Answer

That's normal — most people don't, in the moment. The insurer makes a call based on the evidence. We gather it properly from the start (photos, statements, CCTV requests, expert reports where needed) so the call goes your way, not theirs.

Question 14

What if I've been told I was at fault but I disagree?

Accepted Answer

Fault decisions can be challenged. Insurers default to the cheapest finding for them, not the accurate one. We review the evidence, flag where the call is wrong, and lodge an internal review. If that doesn't land, we take it to SIRA (the NSW regulator) or the Personal Injury Commission.

Question 15

Do I need to prove the other driver was at fault?

Accepted Answer

For a damages claim, yes — fault must be established. For statutory benefits in the first 52 weeks, no — they're paid regardless of fault. That's the one thing most people don't know: even if you caused the crash, you still get 52 weeks of income and medical support under CTP.

Question 16

What insurer am I claiming against?

Accepted Answer

For injury: the CTP (green slip) insurer of the at-fault vehicle. If you were the driver at fault, it's your own CTP insurer. If you were a passenger, cyclist, or pedestrian hit by a car, it's that car's CTP insurer. If the other driver ran off or their rego was unregistered, the Nominal Defendant Scheme covers you. We sort which is which on the first call.

Question 17

What's the 28-day rule?

Accepted Answer

Lodge your compensation claim within 28 days of the accident to get the full statutory benefits package backdated to day one. Between 28 days and 3 months you can still claim but some early entitlements may be lost. After 3 months, you need a good reason for the delay. We lodge yours inside the 28-day window, usually inside 48 hours of your call.

Question 18

What if the insurer denies me?

Accepted Answer

Denials are normal — they're often the first move, not the last. We lodge an internal review, and if that fails we escalate to SIRA or the Personal Injury Commission. Most denials we see get overturned or settled well before any hearing.

Question 19

What's the difference between CTP and my green slip?

Accepted Answer

They're the same thing. 'Green slip' is the old term NSW still uses for the CTP certificate you buy each year when you rego your car. CTP is what it actually is — Compulsory Third Party injury insurance — and it's what your compensation claim runs against.

Question 20

The other driver is uninsured — am I stuffed?

Accepted Answer

No. Every NSW-registered car has CTP by law. If the other driver was unregistered or ran off, the Nominal Defendant Scheme picks up the claim — it's the safety net for exactly this situation. We lodge against the Nominal Defendant in the same 28-day window and run it the same way.

Question 21

Do I deal with the insurer at all?

Accepted Answer

Not if you don't want to. Insurer calls, letters, and requests all go through us as part of your claim. You get summaries, not queues. The only time we hand you the phone is if it's something only you can answer, and then we brief you first.

Question 22

How much can I get in statutory benefits?

Accepted Answer

Statutory benefits cover a percentage of your pre-accident weekly earnings — up to 95% for the first 13 weeks under NSW MAIA 2017, stepping down after that (subject to the weekly cap SIRA indexes each year) — plus all reasonable and necessary medical, treatment, and rehab costs. Income support runs for up to 52 weeks for most claimants. If you're non-threshold and not at fault, weekly and treatment benefits can continue past 52 weeks. We keep them flowing the whole time.

Question 23

How much is a damages payout?

Accepted Answer

It varies — a lot. Damages cover pain and suffering ('non-economic loss'), past and future loss of income, past and future medical and care costs. For a non-threshold injury with significant functional impact, payouts can range from five figures to well over seven, depending on severity and circumstances. Nobody can quote you an exact number early — we build the claim as medical evidence matures.

Question 24

How long will I wait for payment?

Accepted Answer

Statutory benefits typically start flowing within a few weeks of lodgement — weekly income support lands regularly once the insurer has the paperwork and medical evidence. A damages payout is a lump sum at settlement, which usually comes 18 months to 3 years after the accident, depending on how long your injuries take to stabilise. We push for as fast as the evidence allows.

Question 25

Will I have to go to court?

Accepted Answer

Almost never. The vast majority of NSW motor-accident damages claims settle without a hearing. The process runs through the Personal Injury Commission, which is designed to resolve these claims administratively. If a hearing is needed, we prepare you thoroughly — but expect settlement.

Question 26

Is there a fee?

Accepted Answer

Calling us is free. The quiz at /check is free. Lodgement is free. Coordination of treatment, statutory benefits, and any recovery is free. If a damages claim runs, legal costs on that piece are set by NSW regulation — usually paid by the insurer, with strict caps on what can come out of your payout. Every number is explained in plain English before anything is signed.

Question 27

What if I have no income — self-employed, casual, carer?

Accepted Answer

You're still covered. Statutory benefits aren't only for salaried employees. Self-employed income is calculated from tax returns and BAS. Casual income uses your recent earnings pattern. Carers and unpaid workers can claim for the cost of replacement help (cleaning, childcare, shopping) through the care-support component. We build the numbers properly so you get what you're owed.

Question 28

Can I use my own doctor?

Accepted Answer

Yes. You pick your GP. We can suggest one who knows motor-accident documentation well if you'd rather — the paperwork they produce early affects your whole claim — but you're not forced into any particular clinic.

Question 29

What if my treatment is denied?

Accepted Answer

Insurers must approve 'reasonable and necessary' treatment. If they deny a request, we dispute it — often successfully on the first push. If not, it goes to independent medical assessment through SIRA. In the meantime, we keep you moving — we don't let a denial stop your care.

Question 30

How long will my treatment last?

Accepted Answer

As long as it's reasonable and necessary. For threshold injuries, treatment is usually up to 6 months (sometimes longer if medically justified). For non-threshold injuries, it continues as long as a doctor prescribes it. We keep it approved and paid the whole time.

Question 31

What if I need surgery?

Accepted Answer

Surgery is covered when it's medically necessary and recommended by your specialist. We get the pre-approval, coordinate with the surgeon's rooms, and keep income support running while you recover. Rehab after is covered too.

Question 32

What if I develop psychological issues?

Accepted Answer

PTSD, anxiety, and depression after a motor accident are common and real. They're covered under CTP the same way physical injuries are. We arrange psychology sessions, psychiatric review if needed, and make sure the paperwork reflects the full impact — it's often the psychological piece that moves a claim from threshold to non-threshold.

Question 33

What do I do at the scene?

Accepted Answer

Stop. Check yourself and anyone else for injury. Move to safety if you can. Swap names, licences, rego plates, and insurer details with the other driver. Take photos — the cars, the damage, the position on the road, any skid marks, street signs, and the other driver's licence. Don't argue fault. Don't admit fault. Then call us — or take the 60-second quiz at /check to see what you're entitled to.

Question 34

Do I call the police?

Accepted Answer

Call 000 if anyone is injured, the drivers can't agree on details, someone drove off, or the cars are blocking traffic and can't be moved. Otherwise you can report it later to Police Assistance Line (131 444). Either way, get an event number — it matters for your claim later.

Question 35

How do I know if I'm injured if I feel OK?

Accepted Answer

Adrenaline hides a lot. Soft-tissue injuries, whiplash, and concussion can take hours or days to show up. If you feel fine at the scene, still see a GP inside 48 hours — especially if you're hurting anywhere the next morning. That first GP note matters for your compensation claim, and the 28-day window for a CTP claim is tight. If symptoms appear later, call us straight away.

Question 36

How fast do I need to act on a claim?

Accepted Answer

Same day is ideal. A compensation claim must be lodged within 28 days of the accident to get all the statutory benefits backdated to day one. Lodge later and some early entitlements may be lost. The fastest way to check where you stand is the 60-second quiz at /check — or just call us.

Question 37

What do I need before I call?

Accepted Answer

Nothing. Really. We walk you through everything on the first call. If you have the other driver's rego, licence, and insurer details, great — if you don't, we still work with what you've got. The quiz at /check works the same way — no documents needed.

Question 38

How do I know you're legit?

Accepted Answer

We're NSW's first end-to-end motor-accident compensation service. Legal representation sits inside the service — qualified NSW legal practitioners on your file, talking to your case manager. Every cost is explained in plain English before anything is signed. You keep 100% of your damages settlement.

Question 39

What languages do you speak?

Accepted Answer

English, Mandarin, Arabic, Vietnamese, and Korean on our team. For other languages we arrange translators on the call so you're never navigating this in a second language.

Question 40

What's the cost?

Accepted Answer

Calling is free. The quiz at /check is free. Treatment is paid through CTP. If a damages claim runs, legal costs on that piece are regulated by NSW law and usually paid by the insurer. We don't take a contingency cut from your damages. Full numbers are put in writing before anything starts.

Question 41

Who actually does the work?

Accepted Answer

Our team. We run the intake, lodge the claim, book your medical care, handle the insurer, and run the compensation claim through to settlement. Qualified doctors, allied-health providers, and NSW legal practitioners deliver the on-the-ground service; we manage every piece of it.

Question 42

What if my case is weird?

Accepted Answer

We've seen weird. Multi-car pile-ups. Rideshare drivers mid-trip. Pedestrians on private property. Bikes in bus lanes. Overseas licence holders. If a vehicle was involved and someone was hurt in NSW, call us. Either we take it, or we tell you exactly who should — straight up.

Question 43

What happens after I call?

Accepted Answer

Inside five minutes we take your details and the shape of what happened. Inside 48 hours your compensation claim is lodged and your first medical appointment is booked if you're hurt. A named case manager owns your file from that first call through to settlement — one number, one brand, one running story.

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