Injured at work or on the road in the Snowy Monaro region?

Road crash data for the Snowy Monaro region, 2020 to 2024

Heavy vehicles feature in just under one in ten of the injury and fatal crashes recorded in the council area (Transport for NSW crash data, 2020 to 2024), which fits roads that carry freight, livestock and timber. The Monaro Highway accounts for more of these crashes than any other road, and the Snowy Mountains Highway for roughly one in six. About one in five happened in darkness, with a smaller share at dawn or dusk, hours when shift workers, seasonal resort staff and farm workers may be on the road. Michelago, on the highway towards Canberra, recurs in the data alongside Cooma and East Jindabyne.

These are Transport for NSW’s records of crashes in which someone was killed or injured, counted by where the crash happened. They count crashes, not risk: a busy arterial records more crashes than a quiet street because it carries more traffic.

Casualties are people killed plus people recorded as seriously, moderately or minor/other injured; one crash can injure more than one person. Injury severities are as recorded in this police-reported dataset. Transport for NSW’s hospital-linked serious injury statistics are a different, higher series.

Where people were hurt most often, 2020 to 2024

Of the 280 crashes where someone was hurt from 2020 to 2024, motorcycles were involved in about 21%, pedestrians in about 2% and heavy vehicles in about 9%. Of those crashes, about 65% happened in speed zones of 90 km/h or more. By light and road conditions, about 21% happened in darkness, about 9% at dawn or dusk and about 22% on wet roads.

Source: Transport for NSW, NSW Road Crash Data 2020 to 2024 (open data). Casualty crashes by LGA of crash. NSW crash data on Transport for NSW Open Data.

Injured at work in the Snowy Monaro region

Work in the Snowy Monaro region leans on hospitality, agriculture, aged care, cleaning and retail. Each brings its own pattern of injuries, and each guide below covers how a claim in that industry usually runs.

Work injuries we see from these industries

• Burns from oil, steam and ovens →Deep fryers, salamander grills and coffee steam wands.
• Back injury from lifting and vehicle jolt →Bale lifting, long tractor days and uneven paddock driving.
• Knife and hand lacerations →Prep cuts, tendon injuries and infected lacerations.
• Shoulder injury from shearing and stock handling →Shearing posture, yard work and livestock restraint.
• Neck injury from scanning and reaching →Repetitive reach, overhead stock and register posture.
• Foot and ankle injury →Slips in the kitchen, dish pit and behind-the-bar.

The first steps on a workers compensation claim

1. Tell your employer as soon as you can, in writing if possible, and note who saw it. The claim should be made within six months of the injury, though a later claim can still be accepted in some circumstances.
2. See a doctor and get the first Certificate of Capacity. It records the injury, the treatment plan and the work you can safely do, and our WorkCover doctors write it in the format insurers expect (see the Certificate of Capacity guide).
3. Your employer notifies its insurer within 48 hours of becoming aware of the injury. If it does not, you can claim with the insurer directly, and our team can prepare the form with you.
4. The insurer responds. It generally has to start provisional weekly payments within seven days of being notified, unless it has a reasonable excuse. For the first 13 weeks they are generally 95% of your pre-injury average weekly earnings, up to a weekly maximum; try the WorkCover payment calculator.

Sources: Workplace Injury Management and Workers Compensation Act 1998 (NSW) ss 44, 261 and 267; Workers Compensation Act 1987 (NSW) s 36 (checked September 2026).

Treatment and getting back to work

On an accepted claim the insurer pays for treatment that is reasonably necessary because of the injury, and our physios, psychologists and rehabilitation providers work from the same file as your doctor. Your employer must provide suitable work so far as reasonably practicable, and cannot dismiss you because you are unfit for work as a result of the injury within six months of first becoming unfit.

Sources: Workers Compensation Act 1987 (NSW) s 60; Workplace Injury Management and Workers Compensation Act 1998 (NSW) ss 49 and 248 (checked September 2026).

The rest of the scheme is in our workers compensation NSW guide. Only just hurt? Start with what to do when you are injured at work.

Road crashes in the Snowy Monaro region: first steps

Police may not attend a crash on a back road near Bombala; if they didn't, ring it in and note the event number, work trip or not. Have your injuries checked and recorded quickly. If you crashed on the job, for instance in a stock truck or a Perisher shuttle, tell your employer too. Note the other vehicle's rego, the driver's details and, for a truck or coach, the company name. The CTP side goes to the insurer of the vehicle to blame, and our doctors can write its Certificate of Fitness.

Report it, and get the police event number

If police did not attend, report the crash to police as soon as you can. Where anyone is injured, the Road Rules require a driver involved to report it as soon as possible and, except in exceptional circumstances, within 24 hours. If police attended, that is the report. The CTP insurer needs the crash to have been reported to police within 28 days so it can verify your claim, and it will ask for the police event number. You can report through the Police Assistance Line on 131 444 or at a police station.

Sources: NSW Road Rules 2014 r 287; SIRA, guide for people injured in a motor vehicle accident (checked September 2026).

Work out which CTP insurer handles the claim

The claim goes to the CTP insurer of the at-fault vehicle where it has been identified, or your own vehicle’s insurer if you were the at-fault driver. NSW has six licensed CTP insurers: AAMI, Allianz, GIO, NRMA, QBE and Youi. If the vehicle was never identified, or was uninsured, the Nominal Defendant handles the claim.

Sources: SIRA, list of licensed CTP insurers; SIRA, Nominal Defendant; Service NSW, apply for personal injury benefits (checked September 2026).

See a doctor, and get the Certificate of Fitness

You can be seen before any claim is made. In the first 28 days the insurer may pay for one GP consultation and up to two allied health sessions, once it knows about the crash and a claim or reference number exists. The first Certificate of Fitness must come from your treating medical practitioner; later ones can come from your physio or psychologist where the injury is within their area of practice, and each generally covers no more than 28 days.

Sources: SIRA, Motor Accident Guidelines 4.68, 4.69, 4.78 and 4.79; Motor Accident Injuries Act 2017 (NSW) s 3.15(3)(b) (checked September 2026).

The CTP time limits

Sources: SIRA, guide for people injured in a motor vehicle accident; Motor Accident Injuries Act 2017 (NSW) s 6.13 (checked September 2026).

Treatment and weekly payments are payable whoever was at fault for the first 52 weeks. After that, it depends on whether the injury is a threshold injury and whether you were mostly at fault. Our car accident injury service explains how we run a CTP file.

Source: Motor Accident Injuries Act 2017 (NSW) ss 3.11 and 3.28 (checked September 2026).

Reading for crashes like the ones in this area

• The first 72 hours after a crash →From the roadside to the first appointment, in order.
• The Certificate of Fitness →The form behind CTP weekly payments, and who signs it.
• CTP treatment approvals →What the insurer pays for, and how requests are decided.
• Motorcycle accident injury →The rider injury mix, and how treatment is funded.
• Whiplash treatment →How whiplash is graded and treated.

When work and the road overlap

Plenty of the driving here is work driving: resort shuttles and supply runs up Kosciuszko Road, stock and timber trucks on the Monaro Highway, tradies moving between building sites in Jindabyne, and staff travelling between Cooma and the snowfields. When one of those trips ends in a crash, workers compensation is usually where the claim begins, though a CTP damages claim against another driver at fault can sit alongside it. After a fall at Perisher or a rollover near Nimmitabel, the first appointment records what happened, then our doctors write the Certificate of Capacity a workers compensation insurer asks for, or the CTP insurer's Certificate of Fitness. The local industries shape what our doctors see. Ski-field work brings knee, wrist and shoulder injuries, stock handling brings back and hand injuries, and highway crashes bring neck and back strain. Our physios, psychologists and rehab providers then carry treatment forward.

Driving for work: workers compensation usually comes first

CTP statutory benefits are not payable where workers compensation is payable for the same injury. The CTP side does not simply close, though: the CTP insurer can only refuse on that ground once you have made a successful workers compensation claim, or have not complied with its request to make one. Tell each insurer about the other claim.

Source: Motor Accident Injuries Act 2017 (NSW) s 3.35 (checked September 2026).

The commute is a different question

An ordinary drive between home and work is a workers compensation matter only where there is a real and substantial connection between the employment and the accident, such as an errand you were sent on. A plain commute tends to be a CTP matter on its own.

Source: SIRA, work break and journey claims (checked September 2026).

For app-based drivers and riders, whether you count as a worker is decided on the facts of the arrangement rather than the label in the app’s terms. More on car accidents at work in NSW and rideshare and delivery driver accidents.

Places in the Snowy Monaro region

The council area takes in the places below, and we help people from all of them.

• Cooma
• Jindabyne
• Bombala
• Berridale
• East Jindabyne
• Michelago
• Moonbah
• Thredbo
• Bredbo
• Adaminaby
• Nimmitabel
• Delegate
• Kalkite
• Numeralla
• Dalgety
• Crackenback
• Perisher Valley
• Bibbenluke
• Anglers Reach
• Old Adaminaby
• Polo Flat

Main roads

The main roads through the council area include the Monaro Highway, the Snowy Mountains Highway, Kosciuszko Road, Alpine Way and Barry Way.

Getting around

• There are no passenger trains; NSW TrainLink coaches run from Canberra through Cooma to Bombala and Eden
• Cooma–Snowy Mountains Airport, about 15 km from Cooma, has limited air services
• The Skitube rack railway runs from Bullocks Flat on the Alpine Way up to Perisher Valley and Blue Cow

Neighbouring council areas: Snowy Valleys, Bega Valley, Queanbeyan-Palerang and Eurobodalla.

The council area also borders the ACT and Victoria. This page describes the NSW schemes. A crash or a work injury on the other side of the border may fall under that jurisdiction’s own rules, with different forms and deadlines, so tell us where it happened when you call.

Questions from people in the Snowy Monaro region

Sources

Crash figures are Transport for NSW open data (CC BY 4.0). Scheme rules come from the legislation and guidance below.

• Transport for NSW, NSW Road Crash Data 2020 to 2024 (CRASH table, open data), retrieved 2 October 2026.
• Motor Accident Injuries Act 2017 (NSW), ss 3.11, 3.15, 3.28, 3.35 and 6.13
• Workers Compensation Act 1987 (NSW), ss 36 and 60
• Workplace Injury Management and Workers Compensation Act 1998 (NSW), ss 44, 49, 248, 261 and 267
• SIRA, Motor Accident Guidelines Part 4 (claims), paragraphs 4.68, 4.69, 4.78 and 4.79
• SIRA, guide for people injured in a motor vehicle accident
• SIRA, list of CTP insurers
• SIRA, Nominal Defendant
• SIRA, work break and journey claims
• Service NSW, apply for personal injury benefits (motor vehicle accident)
• NSW Road Rules 2014, r 287

Place details, population and area:

• Wikipedia: Snowy Monaro Regional Council
• Wikipedia: Cooma
• Wikipedia: Cooma–Snowy Mountains Airport
• Wikipedia: Skitube
• Wikipedia: Monaro Highway
• Wikipedia: Snowy Mountains Highway
• Wikipedia: Kosciuszko Road
• Wikipedia: Alpine Way
• Wikipedia: Barry Way
• ABS 2021 Census QuickStats

This page is general information about the NSW workers compensation and CTP schemes, not legal or medical advice about your situation. Scheme rules were checked in September 2026. For advice about your own injury, speak to a treating clinician.