You weren't driving. You have a claim. It doesn't cost your driver anything.
Passengers — the claim most don't realise they have.
Under NSW CTP, a passenger is essentially always not at fault. The claim runs against the car's CTP — regardless of who caused the crash. You don't sue the driver. Most passengers don't know this. Had a car accident? Call Accident Hub.
You're always the not-at-fault party
If you were a passenger in a motor accident, legally you didn't cause it. You weren't steering, you weren't braking, you weren't deciding whether to run the amber. Under NSW MAIA 2017, you sit on the not-at-fault side of the line for the purpose of your compensation claim.
That's a big deal. You can claim full statutory benefits — up to 52 weeks of income support and necessary medical, often longer — and, if your injury is non-threshold, a damages claim on top. You don't need to prove fault against your own driver. You just need to show you were a passenger and you were hurt.
The claim runs against the car's CTP policy — not against the driver's bank account.
Three pieces, one passenger claim
Because you weren't driving, fault isn't yours to worry about. The claim is straightforward.
Income support
Up to 95% of pre-accident earnings for the first 13 weeks, stepping down after under MAIA 2017. Weekly, direct to your account. Backdated to the accident when we lodge inside 28 days.
Check your entitlementsMedical and rehab
GP inside 48 hours. Physio, psychology, specialist appointments — all pre-approved and paid through CTP. Zero out-of-pocket.
How we run itDamages (non-threshold)
Lump-sum payout for pain, suffering, future loss. Available when your injury is non-threshold. You keep 100% — no contingency cut from your settlement.
The full claimHurt as a passenger? You have a claim. Had a car accident? Call Accident Hub.
We've been through this 1000 times. Been through it with you.
It isn't a personal thing
Passengers often freeze at the idea of claiming when their driver was a friend, partner, parent, or colleague. The thing to understand: you're not claiming against them. The CTP policy on the car they were driving exists precisely for this situation. It's the same insurance they pay for every year when they rego the car.
The driver personally pays nothing. Their insurer manages the claim and pays your benefits. Their premium may or may not be affected at renewal — that's a separate line between them and their insurer.
People who don't claim often end up carrying the cost of their own recovery — unpaid sick leave, physio bills, time off work — while the CTP system that's designed to help them sits unused. Tell the driver you're going to claim. Most are relieved.
Passenger-specific questions
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Had a car accident? Call Accident Hub.
Passengers have claims. We lodge, pursue the CTP insurer, and run it end to end — while you heal.
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