What your NSW green slip actually covers.

The one-sentence answer

CTP — the green slip — covers personal injuryfrom a NSW motor accident. Not your car, not your luggage, not the other driver's fence. Just people getting hurt.

Every NSW-registered vehicle has to have it. It's why your rego invoice has two parts — the rego itself, and the green slip premium. The green slip funds the scheme that pays you when you're hurt in a crash involving that vehicle.

What CTP covers — the two halves

Under the Motor Accident Injuries Act 2017 there are two distinct entitlements that come out of the CTP scheme. They're separate, they work on different rules, and you can have one without the other.

Half one — statutory benefits

Available regardless of fault for up to 52 weeks. Includes:

• Weekly income payments — 95% of pre-injury earnings for the first 13 weeks (up to a regulated cap), 80% after that. Paid fortnightly.
• Medical treatment — GP, physio, imaging, specialists, surgery, medication. Funded directly by the insurer; you don't front the bills.
• Rehabilitation — physio, exercise physiology, occupational therapy.
• Psychological treatment — sessions with a psychologist for anxiety, PTSD, adjustment disorder.
• Return-to-work support — graduated programmes, workplace ergonomic assessments, retraining where you can't go back to your old job.
• Care and assistance at home where you can't look after yourself or your kids.

See statutory benefits explained for the full picture.

Half two — damages claim

The lump-sum claim at the end. Available only if the crash was someone else's fault (in whole or part) and your injury is classed as non-threshold. Covers:

• Past and future economic loss (lost income beyond 52 weeks).
• Future medical and care costs.
• Pain and suffering / non-economic loss (only if your impairment is above the 10% whole-person threshold).

See damages claims explained for who qualifies and what the realistic numbers look like.

What CTP doesn't cover

This is where most people get caught out.

• Your car. The single biggest misconception. Your green slip won't pay a cent toward fixing or replacing your vehicle. That's comprehensive or third-party property insurance — a different policy entirely. See CTP vs insurance claim.
• Other people's property. If you crashed into a fence, a parked car, or a wall, the property damage side runs through your motor insurance (if you have it) or against you personally.
• Slips, falls, or non-motor accidents. CTP is specifically for injuries caused by a motor vehicle in motion. A trip on the footpath isn't covered.
• Pre-existing conditions unrelated to the crash. CTP funds treatment that's reasonable and necessary because of the accident. Conditions you already had can be a complicating factor — they're not automatically covered.
• Damages above the threshold cap for very minor injuries. If your injury is classified as threshold (soft tissue, minor psychological), you're still entitled to statutory benefits, but the damages side is closed off.

Who's actually covered as a person

Anyone hurt in or by a NSW-registered motor vehicle. Specifically:

• The driver of the vehicle (statutory benefits available regardless of fault).
• Passengers (almost always eligible — passengers are rarely at fault for the crash).
• Other drivers and their passengers in a crash involving the vehicle.
• Cyclists and motorcyclists struck by the vehicle.
• Pedestrians hit by the vehicle.

If the at-fault vehicle isn't identifiable (hit-and-run) or wasn't insured (unregistered), the claim goes against the Nominal Defendant instead. Same scheme, same benefits — just a different defendant on the paperwork.

The catch most people miss

All of this only kicks in if you put the claim in. The CTP insurer doesn't come find you. They don't cross-check the police report and call you up. You have to submit a personal injury claim form. And there's a 28-day window from the crash to do that without losing the backdate. See the 28-day rule.

What we do for you

One phone call. We'll tell you which of these entitlements apply to your situation — most people qualify for more than they realise. Then we get the claim in, set up the funding, and stay on the file.

Take the short check at /check, or call (02) 7238 7379 and a real person picks up.