Can I claim CTP for broken bones from a car accident?

Yes. Fractures sustained in a motor vehicle accident are covered under the NSW CTP scheme. You are entitled to statutory benefits including all medical treatment costs, weekly income replacement if you cannot work, and domestic assistance — regardless of who was at fault for the accident.

Can fractures be assessed via telehealth?

Yes, for the purposes of CTP documentation. Your Claims Doctor consultation will assess your injury history, current symptoms, treatment to date, and work capacity via video. If you have already been treated at hospital or by another doctor, your Claims Doctor can review your imaging and clinical records to issue your Certificate of Fitness. Physical examination of the fracture itself would have been done at initial presentation.

Condition Guide

Fractures from a Car Accident? Get Your Certificate Today.

Same-day CTP telehealth consultation. Certificate of Fitness issued during the call. $0 cost with a valid CTP claim.

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Fractures and CTP Claims in NSW

Fractures (broken bones) are among the most serious injuries sustained in motor vehicle accidents. The force of a collision can cause fractures in virtually any bone, with the most common sites being the wrist, arm, clavicle, ribs, pelvis, legs, ankles, and facial bones. Under the NSW CTP scheme, all reasonable and necessary treatment for fractures is covered by your CTP insurer.

A Certificate of Fitness documents your injury, current fitness for work, and treatment pathway. For fractures, this certificate is critical for accessing weekly income replacement if you are unable to work during your recovery.

Common Fractures from Motor Vehicle Accidents

Wrist and forearm fractures (Colles', scaphoid)

Clavicle (collarbone) fracture

Rib fractures

Vertebral compression fractures

Pelvic fractures

Tibial and fibular (leg) fractures

Ankle fractures

Facial bone fractures (orbital, nasal, jaw)

What Your Certificate of Fitness Will Include

For fracture claims, your Certificate of Fitness will document:

Your specific fracture diagnosis and location, based on imaging and hospital records
Current treatment stage — immobilisation, post-surgical, rehabilitation
Work capacity — most fracture patients are initially unfit for any work, transitioning to light duties as healing progresses
Specific restrictions — no weight-bearing, no lifting, no driving, limited mobility
Treatment plan — orthopaedic follow-up, physiotherapy, pain management
Expected recovery timeline based on fracture type and treatment

CTP Entitlements for Fractures

Emergency and hospital treatment: Fully covered including surgery, anaesthesia, and hospital stay
Ongoing medical treatment: Orthopaedic follow-up, physiotherapy, occupational therapy, pain management
Weekly income replacement: If you cannot work during recovery, you receive weekly payments
Domestic assistance: Help with household tasks if your fracture limits daily activities
Permanent impairment compensation: If your fracture results in permanent loss of function

Already Treated at Hospital?

If you were treated at an emergency department for your fracture but still need a Certificate of Fitness for your CTP claim, Claims Doctor can help. Your doctor will review your hospital records and imaging reports during the video consultation and issue your Certificate of Fitness based on the information available.

How Claims Doctor Helps

Claims Doctor provides same-day video consultations for CTP patients with fractures. Your doctor reviews your injury, hospital records, and imaging to issue your Certificate of Fitness during the call. This is particularly useful for patients who have already been discharged from hospital but still need formal CTP documentation to access their entitlements.