Hit by a vehicle. The car's CTP is your claim.
Cyclists — hit by a motor vehicle in NSW.
Most cyclists don't realise: you don't sue the driver. You claim against the car's CTP. We lodge, pursue, and build the damages claim where injuries are non-threshold. Hit-and-run is covered by the Nominal Defendant Scheme. Had a car accident? Call Accident Hub.
The car's CTP is your injury cover
CTP — Compulsory Third Party — is the injury insurance every NSW-registered vehicle carries by law. It doesn't just cover people in cars. It covers anyone injured as a result of that vehicle being used on a road, including cyclists hit by the vehicle.
You don't need to have paid for anything yourself. You don't need to have had a helmet camera on. You don't need the driver to admit fault at the scene. The claim is against the vehicle's insurance policy — it exists precisely for this. If the driver ran off or was unregistered, the Nominal Defendant Scheme is the backstop.
If a motor vehicle was involved and you were injured, call us. You have a claim more often than you'd think.
The cyclist's claim
CTP does the heavy lifting for injuries. Bike and gear sit outside CTP — we pursue those through property cover or damages.
Statutory benefits
Weekly income support while you can't work — a percentage of pre-accident earnings under MAIA 2017 (up to 95% for the first 13 weeks, stepping down, subject to SIRA's annual cap). Runs up to 52 weeks, longer if non-threshold and not-at-fault.
Check your entitlementsMedical and rehab
GP within 48 hours. Physio, psychology, orthopaedic review — booked, pre-approved, paid through CTP. Road rash, wrist, concussion — all documented properly.
How we run itNon-threshold damages
Lump-sum payout for pain, suffering, and future loss — if your injuries are non-threshold (fractures, nerve injury, TBI). You keep 100% of the settlement.
The full claimHit by a car on your bike? The CTP covers you. Had a car accident? Call Accident Hub.
We've been through this 1000 times. Been through it with you.
The Nominal Defendant is the safety net
A lot of cyclist crashes involve drivers who don't stop, or vehicles with rego plates the cyclist couldn't catch. The Nominal Defendant Scheme exists for exactly this: a state-backed CTP insurer of last resort, paying the same statutory benefits and damages you'd get against a named insurer.
There are rules. You need to show you made proper inquiries to identify the vehicle — typically a police report and event number from Police Assistance Line (131 444), plus any witnesses or CCTV we can secure. We handle the identification process and lodge inside the 28-day window.
Cyclist-specific questions
Leave your number — we’ll call you back.
Fast response, 7 days a week. Same-day callback during business hours. Any fault status. Any injury.
or call 1800 224 482
Had a car accident? Call Accident Hub.
On a bike, hit by a car, anywhere in NSW — one call and we run the claim.
Call Now 1800 ACCHUB