If you’ve been injured in a motor vehicle accident in New South Wales, knowing your rights and the steps to take immediately afterward can make a significant difference to your compensation claim.
Immediate Steps to Protect Your Claim
The moments and days following an accident are critical. First, seek medical attention even if your injuries seem minor – some serious injuries don’t present symptoms immediately. Document everything: take photos of the accident scene, vehicle damage, and any visible injuries. Collect contact details from witnesses and the other driver, and obtain a copy of the police report if one was filed.
Understanding NSW Compulsory Third Party (CTP) Insurance
In New South Wales, all registered vehicles must have CTP insurance, which covers injuries to people caused by motor vehicle accidents. Anyone who is injured in a motor accident can apply for statutory compensation benefits, even if they were at fault. This includes drivers, passengers, riders, pedestrians, and cyclists. This means if you’ve been injured, you’re entitled to make a claim for compensation covering medical expenses, lost wages, and care needs.
If you were at fault, you can claim personal injury compensation for up to 12 months.
If you were not at fault, you can claim benefits for 24 months, and you may also be entitled to a lump sum payment. The lump sum payment is for past and future loss of income and, depending upon the extent of your injuries, and additional payment for pain and suffering.
Time Limits Matter
Many accident victims don’t realise there are strict time limits for making claims. You should lodge a claim within 3-months after the date of the incident, or within 28 days if you want to claim loss of earnings from the day following the accident. Missing these deadlines can result in losing your right to compensation entirely.
Why Legal Representation Makes a Difference
Insurance companies have experienced legal teams working to minimise payouts. Having expert legal representation ensures you’re not pressured into accepting inadequate settlements. An experienced motor vehicle injury lawyer can accurately assess the full value of your claim, negotiate with insurers on your behalf, and if necessary, take your case to court.
Common Mistakes to Avoid
Don’t provide recorded statements to insurance companies without legal advice. Avoid posting about your accident on social media – insurers regularly monitor these channels. Never sign documents or accept settlement offers before consulting with a lawyer, as these are often final and may be far less than you deserve.
Your Path Forward
At Walsh & Blair Lawyers, we’ve helped countless residents of Wagga Wagga and the Riverina navigate the complexities of motor vehicle injury claims. Our team understands the physical, emotional, and financial toll accidents take on individuals and families.
If you or a loved one has been injured in a motor vehicle accident, contact our experienced personal injury team for a confidential consultation. We will do a free claim check to assess what you are entitled to. We work on a no-win, no-fee basis for personal injury matters, ensuring access to justice regardless of your financial situation.
Contact Walsh & Blair Lawyers on (02) 69 268 268 or visit our Wagga Wagga office to discuss your motor vehicle injury claim today.