The insurance claim will depend upon whether the accident occurred before or after 1 December 2017. Prior to 1 December 2017, injuries were covered by the Motor Accidents Compensation Act (MACA). This essentially covered injuries to people not at fault.

Injuries on or after 1 December 2017 are covered by the Motor Accident Insurance Act 2017 (MAIA). The MAIA was introduced to support injured parties resulting from motor accidents, regardless of fault. Those deemed to be at fault will still have treatment covered for the first 26 weeks.

The State Insurance Regulation Authority (SIRA) provides information detailing what you should do following an accident.

Once you have lodged a claim, you will need to get approval from your insurer to see Dr Chan. You will need to pay for your consultations and claim these back from your insurer. If you require an operation, Dr Chan will seek approval from your insurer. The cost of the operation will be invoiced directly to your insurer.

Useful resources:

• Accidents before 1 December 2017
• Accidents after 1 December 2017
• What to do following an accident (SIRA)
• A guide for people injured in motor accidents in NSW (SIRA)
• Police Assistance Line: 131 444
• CTP Assist: 1300 656 919
• Certificate of Capacity / Certificate of Fitness