Hurt in a car accident? Our doctors and physios treat you under CTP.
You can claim even if the crash was your fault. On an accepted claim the CTP insurer pays us directly, so the appointment is billed to your claim rather than to you.
Dates worth knowing
24 hours
to report an injury crash to police, if they did not attend
28 days
to lodge if you want weekly payments back-dated
3 months
to lodge your claim for statutory benefits
Sources: SIRA, Guide for people injured in a motor vehicle accident; NSW Road Rules 2014 r 287 (classic.austlii.edu.au/au/legis/nsw/consol_reg/rr2014104/s287.html); Motor Accident Injuries Act 2017 s 6.13 (checked September 2026).
Say it was a car accident when you ring and our team will start you with the right clinician instead of the next available one.
Tell us what happened and we will call you back
One File, Three Kinds of Clinician
A crash rarely damages one thing only. Our doctors, physiotherapists and psychologists share a single file, so you never have to tell the story twice and nothing falls into the gap between appointments.
See one of our doctors
The examination that puts the crash injuries on the record, and the first Certificate of Fitness, which is a doctor's document by law. Our doctors also set out the treatment case, so the insurer has something specific in front of it rather than a shrug.
See one of our physios
Hands-on treatment for neck, back, shoulder and limb injuries, with a plan for getting movement and hours back. Once your first certificate is in place, your treating physio can write the ones that follow.
See one of our psychologists
Treatment where the crash left more than a physical injury: driving anxiety, sleep that has not settled, or a slow recovery that has started to wear you down. Your psychologist works from the same file as your doctor.
A Clinic That Works This Scheme Daily
We treat the injury. We do not sell the claim.
People come to us on day two after a crash and people come to us at week thirty when treatment has stalled. Either is fine. What we bring is not sympathy, it is the paperwork that a CTP insurer acts on: a certificate that says something specific, and a treatment request an assessor can approve without a second phone call.
Nobody here is paid by your insurer, and nobody here has a reason to keep you in treatment longer than the injury needs.
Independent
Not an insurer
Nobody in this clinic answers to the insurer assessing your treatment.
Billing
Billed to your claim
On an accepted claim your appointments go to the CTP insurer, and we confirm approvals before you are booked.
Continuity
Certificates without gaps
Doctor first, then your treating physio or psychologist, so the chain never breaks between clinics.
Can I Get Treatment Paid For?
If you were hurt in a motor vehicle accident in NSW you are covered by the CTP scheme, whether you were driving, riding as a passenger, walking, on a bicycle or on a motorbike. Statutory benefits pay for treatment and care and, if the injury stops you working, a share of what you have lost. None of that waits on anyone proving who caused the crash.
Treatment and care
- Treatment for the crash injuries that is reasonable and necessary, requested by the clinician treating you and approved by the insurer.
- Capped at 52 weeks for a threshold injury, and for anyone found wholly or mostly to blame for the crash.
- Open-ended for a non-threshold injury where you were not mostly to blame, running for as long as the treatment stays reasonable and necessary.
Weekly payments
- For the first 13 weeks, 95% of the gap between what you were earning before the crash and what you can earn now.
- From week 14 through week 78, 80% if you have no capacity for work at all and 85% if you have some.
- Capped at 52 weeks on a threshold injury, and for anyone wholly or mostly to blame. Running to 104 weeks for a non-threshold injury where you were not mostly to blame.
Source: Motor Accident Injuries Act 2017, ss 3.6, 3.7, 3.11, 3.12 and 3.28 (checked September 2026).
Before your claim is accepted
There is a narrow early window while everything is still being lodged. An insurer may fund one visit to a general practitioner and two allied health treatment sessions within 28 days of the crash, at its discretion, where it has been notified and a claim or reference number exists. It is not automatic, so we confirm it in writing before you are treated rather than after.
Source: SIRA, Motor Accident Guidelines 4.78 to 4.79 (checked September 2026).
WorkCover Hub is a clinic rather than a law firm, and where legal advice is needed that work sits with partner firms.
From the Crash to a Change in What You Can Do
This is the treatment path, not a settlement path. Most people never see a courtroom, and almost everyone sees a certificate.
Get seen
Report the crash to police and get assessed. Tell whoever sees you that it was a motor vehicle accident, because that one sentence changes which forms are used and which insurer is billed. Pain that arrives on day three is still crash-related, and it is easier to link when there is an examination on the file from day one.
Your first Certificate of Fitness
One of our doctors examines you and completes the certificate that weekly payments run on. It covers a defined period of no more than 28 days and sets out what you can and cannot do, which is the part employers and insurers act on.
The treatment request goes in
Your physio or psychologist sets out what treatment you need and why it is reasonable and necessary for the crash injuries. The insurer has to come back as quickly as it can, and within 10 days of the request arriving at the very latest.
Review, and the next certificate
Treatment is reviewed as you go, and the certificates that follow the first one can be written by your treating physiotherapist or psychologist. Keeping that chain unbroken is what keeps weekly payments running without a gap.
Your capacity changes, and so does the certificate
When you can manage more hours or different duties, the certificate is updated to match. That is the document that moves you back toward normal work, and it should follow what you can actually do rather than a date on a calendar.
Source: SIRA, Motor Accident Guidelines 4.68, 4.69 and 4.106, and Motor Accident Injuries Act 2017 ss 3.15 and 6.19 (checked September 2026). It also has 4 weeks from lodgement to say whether liability for statutory benefits is accepted for the first 52 weeks.
Questions People Ask Us First
Three Steps, and We Do Two of Them
Tell us about the crash
Call us or send the form with the date, how you were travelling, and what is hurting. No paperwork needed to start.
We book the right clinician first
Usually a doctor, because the first certificate is a doctor's document, then physio or psychology alongside it.
We keep the approvals moving
Treatment requests go to your insurer, certificates stay current, and we chase the decisions that hold treatment up.
Tell us about the crash
Call us or send the form with the date, how you were travelling, and what is hurting. No paperwork needed to start.
We book the right clinician first
Usually a doctor, because the first certificate is a doctor's document, then physio or psychology alongside it.
We keep the approvals moving
Treatment requests go to your insurer, certificates stay current, and we chase the decisions that hold treatment up.
More on car accident injuries in NSW
Car accident injury in NSW
The full guide to being hurt on the road in NSW: what is covered, how benefits work, and where the dates fall.
Read moreContinueCrashed while you were working
Two schemes can be open at once after a crash on the clock. Which one pays for what, and why the order matters.
Read moreContinueCertificate of Fitness
The document your weekly payments run on: who can sign it, how long it lasts, and what happens if it lapses.
Read moreContinueGetting treatment approved
How a treatment request is put to a CTP insurer, how long the answer takes, and what to do when the answer is no.
Read moreContinueWhiplash treatment
Neck pain, stiffness and headaches after a crash: what is actually happening, and how it is treated.
Read moreContinuePsychological injury after a crash
Driving anxiety, broken sleep and intrusive replays of the crash are treatable injuries, and they are claimable.
Read moreContinueThe first 72 hours
What to do, in order, in the three days after a crash, including the reporting and lodgement steps people miss.
Read moreContinueMotorcycle injury
Riders and pillion passengers are covered whoever caused it, and bike injuries change how long the funding runs.
Read moreContinueHit while walking or riding
You need no vehicle, no licence and no policy of your own. Cover follows the vehicle, including in a hit and run.
Read moreContinueRideshare and delivery drivers
Contractor or employee, on a trip or between them: which scheme answers, and what to do while that is sorted.
Read moreOur doctors and physiotherapists take car accident patients face to face right across Sydney and the rest of NSW, and reviews can run by video once treatment is under way. Call (02) 7238 7379 and we will find you an appointment that works.
Hurt on the Road? Let's Get You Seen
Whether the crash was last week or last spring, our doctors, physios and psychologists can pick your treatment up from wherever it stopped.
Call (02) 7238 7379