ClickCease CTP Physiotherapy Sydney CBD | Motor Vehicle Accident Injuries | City Physio

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CTP Physiotherapy · Sydney CBD · Martin Place

CTP Physiotherapy in Sydney CBD.

Physiotherapy for motor vehicle accident injuries under the NSW Compulsory Third Party (CTP) insurance scheme. SIRA registered. Experienced in the CTP pathway, the paperwork, and the process.

If you’ve been injured in a car accident, motorcycle accident, or as a pedestrian or cyclist hit by a vehicle — your physiotherapy should be covered under CTP. We’ll help you navigate it properly.

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9223 1575

What Is CTP Physiotherapy?

Compulsory Third Party (CTP) insurance — also called Green Slip insurance — is mandatory for all registered vehicles in NSW. If you’re injured in a motor vehicle accident, CTP covers your physiotherapy treatment costs.

CTP covers physiotherapy for drivers, passengers, pedestrians, cyclists, and motorcyclists injured in motor vehicle accidents in NSW. You don’t need to be the at-fault driver to claim — in most cases, your treatment is covered regardless of who caused the accident.

The NSW CTP scheme is managed by SIRA (State Insurance Regulatory Authority). City Physio & Pilates is a SIRA registered physiotherapy provider, and we bill your insurer directly — you don’t pay out of pocket for approved treatment.

Injuries We Treat Under CTP
Whiplash and cervical spine injuries

The most common motor vehicle accident injury. Ranging from mild soft tissue strain to complex cervical dysfunction affecting the neck, shoulders, arms, and head. We assess the full injury pattern — not just the area of primary complaint — and build a rehabilitation program that addresses the underlying biomechanical and neurological drivers of your symptoms.

Headache and dizziness following a motor vehicle accident

Post-traumatic headache, cervicogenic headache, and vestibular disturbance are extremely common following motor vehicle accidents and frequently persist long after the acute injury appears to have resolved. We have Watson Headache trained clinicians and a vestibular physiotherapist specifically trained in post-traumatic dizziness — presentations that are significantly undertreated in the standard CTP pathway.

Back and spinal injuries

Lumbar disc injuries, thoracic dysfunction, sacroiliac joint strain, and muscle and ligament injuries to the spine are common in motor vehicle accidents — particularly rear-end and side-impact collisions. We assess and treat the full spinal picture, including referred leg pain and neurological symptoms where present.

Shoulder, arm and upper limb injuries

Rotator cuff tears, shoulder impingement, AC joint injuries, and brachial plexus involvement from seatbelt or impact trauma. Wrist and hand injuries from bracing for impact. We assess upper limb function in the context of the whole injury pattern — particularly where cervical involvement is contributing to arm symptoms.

Lower limb injuries

Knee, hip, ankle, and foot injuries from direct impact or bracing mechanisms. Ligament damage, meniscal injuries, and fractures across the lower limb are all common in significant collisions. Progressive return to full function and activity is the goal — and we build the program around your specific injury, not a generic post-accident protocol.

Post-surgical rehabilitation under CTP

Motor vehicle accidents frequently result in injuries that require surgical intervention — and CTP covers the physiotherapy rehabilitation that follows. We have extensive experience with post-surgical protocols across a wide range of orthopaedic procedures arising from accident injuries.

Surgeries we rehabilitate under CTP include:

ACL reconstruction, knee arthroscopy, menicscal and knee ligament repair
Rotator cuff repair and shoulder reconstruction
Shoulder stabilisation and labral repair
Surgical fixation and all post-fracture rehabilitation
Ankle, foot and lower limb injuries
Spinal surgery — laminectomy, discectomy, and fusion
TMJ and jaw injuries

Motor vehicle accidents are one of the most common causes of TMJ dysfunction — the impact forces transmitted through the head and neck can disturb the delicate biomechanics of the temporomandibular joint. Jaw pain, clicking, restricted opening, and facial pain following a car accident warrant proper assessment. Our clinic has specific expertise in TMJ dysfunction that is genuinely rare in the physiotherapy sector.

Persistent and complex post-accident pain

Motor vehicle accidents frequently result in complex, multi-system pain presentations that don’t fit neatly into a single diagnosis. Our Principal Physiotherapist Nicola Michell holds a Master of Pain Management — equipping the clinic to assess and manage the psychosocial, neurological, and musculoskeletal factors that drive persistent post-accident pain. Nicola does not treat CTP patients directly, but her expertise informs how our team approaches these complex presentations.

How the NSW CTP Scheme Works

The NSW CTP system can feel complicated — particularly in the early stages after an accident when you’re dealing with pain, insurance companies, and paperwork simultaneously. Here’s a straightforward breakdown.

Who is covered?

Anyone injured in a motor vehicle accident in NSW — drivers, passengers, pedestrians, cyclists, and motorcyclists. You don’t need to be the not-at-fault party to receive treatment. The scheme covers treatment regardless of fault in most circumstances, particularly in the early treatment period.

Which insurers do you work with?

We work with all approved NSW CTP insurers including NRMA Insurance, GIO, Allianz, QBE, Suncorp, and others. Your insurer is determined by the Green Slip held by the at-fault vehicle’s owner. We bill your insurer directly once your claim is accepted.

Do I need a referral?

In most cases, a referral from your GP or treating doctor is required as part of the CTP claims process. Once your claim is lodged and accepted, you can book directly with us and we’ll bill your insurer. Contact us before booking if you’re unsure of your claim status and we’ll advise.

What if my claim hasn’t been accepted yet?

Under the NSW CTP scheme, insurers are required to provide early treatment and care support within certain timeframes — even before a formal claim determination. Contact us and we’ll advise on your specific situation and what’s available to you.

What about non-attendance charges?

CTP insurance does not cover charges for non-attendance or late cancellation. These charges are payable by you directly. Our standard cancellation policy applies — please give us as much notice as possible if you can’t attend.

Before Your First Appointment

We need the following in place before we can treat you under CTP — please have these ready before booking or as soon as possible after.


Your CTP claim number — provided by your insurer once the claim is lodged

Insurer name and contact details — including your claims officer or case manager

Letter of Liability or treatment approval — confirming your insurer has accepted the claim and will cover physiotherapy

GP or specialist referral — letter from your treating doctor referring you for physiotherapy

Any imaging reports — X-rays, MRI, CT scans relevant to your injuries

Previous treatment records — if you’ve seen another physiotherapist, hospital, or emergency department since the accident

Missing any of these? Your case manager is the best starting point. If you’re having trouble getting the paperwork together, call us and we’ll help you work out what you need.

FAQ

CTP physio — what you actually want to know.

I was in a car accident. Am I covered for physiotherapy?

In most cases, yes. If the accident occurred on a NSW road and involved a registered vehicle, CTP insurance should cover your physiotherapy. This applies whether you were a driver, passenger, pedestrian, cyclist, or motorcyclist. Lodge a claim with the at-fault vehicle’s CTP insurer — or contact SIRA if you’re unsure which insurer applies — and once your claim is accepted, we’ll bill them directly.

How soon after the accident should I start physiotherapy?

As soon as possible. Early physiotherapy intervention is one of the most significant predictors of good recovery outcomes after a motor vehicle accident. Whiplash and spinal injuries in particular respond significantly better to early, evidence-based management than to rest and waiting. Don’t wait until your claim is fully processed — contact us and we’ll advise on what’s accessible to you in the early treatment period.

Do I need to pay anything out of pocket?

No — once your claim is accepted and we have the required paperwork, we bill your CTP insurer directly. You don’t pay out of pocket for approved physiotherapy treatment. Non-attendance charges are not covered by CTP and are payable by you if they apply.

I’ve had neck pain, headaches, and dizziness since the accident. Is that a physio problem?

Yes — and it’s one of the most common and undertreated post-accident presentations. Post-traumatic cervicogenic headache, dizziness, and vestibular disturbance are well-recognised sequelae of motor vehicle accidents and respond well to targeted physiotherapy when properly assessed. We have Watson Headache trained clinicians and a vestibular physiotherapist with specific post-traumatic dizziness experience. If you’ve been told these symptoms are unrelated to the accident or will just resolve with time — get a second opinion.

My jaw has been clicking and painful since the accident. Is this covered?

Yes. TMJ dysfunction following a motor vehicle accident is a recognised injury under CTP — the impact forces transmitted through the head and neck frequently disturb jaw mechanics. It’s also frequently missed entirely in the initial post-accident assessment. We have specific expertise in TMJ dysfunction that is rare in the physiotherapy sector. Make sure your GP or specialist documents the jaw symptoms in your referral.

Can I change my treating physiotherapist if I’m already on a CTP claim?

Yes. You can change your treating physiotherapist at any point during your claim. We see this regularly — often when patients feel their current treatment isn’t progressing or isn’t addressing the full injury picture. Contact us and we’ll advise on what’s required to transfer your care.

Which clinicians see CTP patients at City Physio?

All our physiotherapists are SIRA registered and can treat CTP patients with the exception of Nicola Michell and Matt Hagerty, who do not take CTP appointments. Our other experienced clinicians — Elizabeth Arruzza, Daniel Stone, Ed Germanos, and Christie Whitehead — all see CTP patients and between them cover the full range of post-accident presentations.

CTP Physiotherapy — Sydney CBD

Injured in a motor vehicle accident? Let’s sort it properly.

All physiotherapists SIRA registered. Book online or call us — if you’re unsure about your claim status, call first and we’ll advise before you book.

Book Online
9223 1575

hello@cityphysio.com.au  ·  Shop 10, Level 6, 25 Martin Place

— The City Physio team