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Fill out the form below to request a free claim check, and find out if you're entitled to additional benefits or a lump sum. Fill out the form below to request a free claim check, and find out if you're entitled to additional benefits or a lump sum. Call 1800 888 529.

Minor and non-minor injuries explained.

One overlooked injury can cost you dearly.

Why is this so important?

When you lodge a CTP claim, the amount of compensation you receive for your injuries is based on your medical assessment, and whether your injuries are classified as minor or non-minor. To understand the impact this can have on your payments, please refer to our article on how an incorrect assessment could cost you dearly.

Even if you have just one non-minor injury that’s overlooked in your assessment, you could miss out on tens of thousands of dollars in compensation that you’re entitled to. So it’s important that you understand the difference between minor and non-minor injuries. It’s also important to understand that injuries can be physical and psychological or psychiatric. Read our guide on commonly overlooked non-minor injuries.

What’s a minor injury?

A minor injury is a “soft-tissue” or muscle injury, like a muscle strain or a sore back.  The most common soft tissue injury after a crash is a whiplash injury, which often results in neck pain. Soft tissue injuries also include injuries to tendons, ligaments, menisci, cartilage, fascia, fibrous tissues, fat, blood vessels and synovial membranes.

A minor psychological or psychiatric injury is a psychological or psychiatric injury that’s not a recognised psychiatric illness.

What’s a non-minor injury?

Non-minor physical injuries may include fractures; nerve injuries; complete or partial rupture of a tendon, cartilage, meniscus or ligament; or damage to the spinal nerve root that meets the criteria for radiculopathy.

Examples of non-minor psychological or psychiatric injuries may include a diagnosed psychological or psychiatric illness such as depression or post-traumatic stress disorder (PTSD), as well as a range of other psychological or psychiatric illnesses.

Can non-minor injuries develop over time?

The simple answer is yes – and this is a critical point. Let’s look at an example where a medical assessment showed only minor injuries, meaning that compensation payments would be cut off after a maximum of six months, and possible sooner. But it’s entirely possible that the injuries have not yet stabilised at that point, and in fact could worsen after the initial six months. In particular, psychological or psychiatric injuries can take a lot longer than six months to develop. So it’s possible that you could develop a non-minor injury over time. If that happens, you’ll need to dispute the insurer’s decision in order to receive ongoing benefits or make a common law claim for a lump sum. For more information on this, please refer to our article on What you need to know about checking and disputing insurer’s decisions.

 

…it’s possible that you could develop a non-minor injury over time. If that happens, you’ll need to dispute the insurer’s decision in order to receive ongoing benefits.

What do I do next?

Need help?

To get your free claim check, simply click ‘start now’ below.
The CTP Claim Advice team will review your claim and tell you if you’re entitled to additional benefits or a lump sum. It could be worth tens of thousands of dollars. Plus they’ll check in with you from time to time throughout your claim to make sure everything’s on track. It’s a free service.

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You’ll get a free one-on-one claim review with a specialist CTP lawyer.

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They’ll determine whether you’re entitled to additional benefits.

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We’ll show you how to claim additional benefits, and support you throughout your claim.
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Once you’ve filled out the online form, one of the team from CTP Claim Advice will call you to check on the status of your claim, and arrange your free one-on-one claim review with a specialist CTP lawyer.

 

If you need legal representation, we’ll offer you an experienced CTP lawyer who will have the full history of your claim and be able to immediately act on your behalf. For many claims there will be no cost to you whatsoever- we’ll fund your claim, and recover our costs from the insurer.

 

If we find that you’re eligible for a lump sum over $75,000, we’ll offer to fund your claim and work for you on a no win no fee basis, and only get paid after you receive your lump sum. So you’ll never be out of pocket.

 

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