Guides and resources

How CTP insurance covers psychological treatment in NSW

If you were injured in a motor accident in NSW, the cost of seeing a psychologist is often covered through CTP insurance. Here is how that works, in plain language.

The NSW Motor Accident Injuries scheme, explained

Who runs the CTP scheme, which law it sits under, and what statutory benefits and threshold injuries mean, without the jargon.

Do you need a referral to see a psychologist after a car accident?

How referrals work under a CTP claim, the role of your GP, and whether you can start before your claim is fully sorted.

How long does a CTP claim take? The NSW timeline

The key dates that matter after a motor accident in NSW, from the 28-day and 3-month notice periods to the insurer's time to decide.

What to do if your CTP treatment request is disputed

Practical steps if the insurer declines or delays funding your psychology sessions, including free help and independent review.