Does CTP cover chiropractic care after a car accident in NSW? Yes. CTP (Compulsory Third Party) insurance covers reasonable and necessary treatment, including chiropractic care, for up to 52 weeks after a motor vehicle accident in NSW, whether or not you were at fault. Be Amazing Chiropractic bills your CTP insurer directly and can help you understand the claims process.
Am I Covered Even If the Accident Wasn’t My Fault (or Was)?
Yes. CTP insurance in NSW covers anyone injured in a motor vehicle accident, including drivers, passengers, cyclists and pedestrians, whether they were at fault, not at fault, or fault hasn’t yet been determined.
How Do I Make a CTP Claim?
Report the crash to police, ideally straight away and within 28 days. See a doctor for a certificate of fitness documenting your injuries. Then apply for CTP benefits online through Service NSW, or submit an Application for Personal Injury Benefits form to the relevant CTP insurer, generally within three months of the crash (or within 28 days if you’re claiming lost earnings back to the date of the crash).
Can I Get Chiropractic Care Before My Claim Is Finalised?
Yes, early treatment approval can sometimes be requested from the CTP insurer within the first 28 days after the crash, before your full claim is lodged, though this is at the insurer’s discretion. Once your formal claim is accepted, the insurer covers reasonable and necessary treatment, including chiropractic care. There’s generally no need to delay starting care while your claim is being processed.
How Long Does CTP Cover Treatment For?
CTP statutory benefits generally cover reasonable and necessary treatment for up to 52 weeks after the crash. If you weren’t at fault and your injuries meet the scheme’s threshold, cover can extend beyond 52 weeks. Our team can help you understand where you sit as your care progresses.
Chiropractic Care After a Car Accident in Charlestown
Dr Adam Arnold provides chiropractic care for patients recovering from motor vehicle accident injuries at Be Amazing Chiropractic in Charlestown. We bill your CTP insurer directly once your claim and treatment are approved, and we’re happy to help you understand the claims process. Contact Be Amazing Chiropractic to book an appointment.
Other Ways Chiropractic Care May Be Covered
Injured at work instead of in a car accident? See our guide, Does Workers Compensation Cover Chiropractic Care? If you have a Medicare or DVA referral instead, see our guides on Medicare and DVA chiropractic cover.
Frequently Asked Questions
Do I need a referral to see a chiropractor after a car accident?
You don’t need a specific referral to a chiropractor, though you’ll need a doctor’s certificate of fitness as part of your CTP claim.
Which insurer do I contact?
This is generally the CTP insurer for the vehicle involved. Service NSW can help you identify the right insurer if you’re unsure.
Will I be out of pocket?
Once your claim and treatment are approved, we bill your CTP insurer directly, so approved care isn’t paid for out of your own pocket.