The opinion of an independent medical expert can assist you to progress your recovery and your claim. An independent assessment and report can be arranged jointly with yourself (or your legal representative – if you have one) and your CTP Insurer using the Joint Independent Medical Assessment Guideline. If a joint assessment is not appropriate an assessment may be arranged by the CTP Insurer, yourself or your legal representative.
Why you might need an independent assessment
An independent assessment is undertaken by a health professional or independent medical examiner which provides an independent opinion about your injury and treatment. The independent assessment report confirms whether your injury resulted from the motor vehicle accident and helps the CTP Insurer to:
- determine your eligibility for compensation
- review your medical and health services and
- manage your rehabilitation.
Who pays for the assessment?
If a CTP Insurer arranges an independent assessment or ISV medical assessment, they must cover the cost. If you or your legal representative arrange the assessment, the CTP Insurer will cover the cost, provided they have been given reasonable notice to approve it before the date of the assessment.
Organising your assessment
The CTP Insurer must:
- take into account any issues that may impact your ability to attend an assessment (such as disability access requirements)
- give you at least seven business days’ notice of the appointment details (such as date and time, location, specialty of the health professional and the reason you are required to attend), and
- arrange a translator or interpreter, at the insurer’s cost, if required.
The CTP insurer will forward documentation to the health professional in advance, but will only provide information that is relevant to the assessment.
Expenses and cancellations
You can claim the reasonable costs of attending an independent assessment (such as travel expenses). If you are unable to attend an independent assessment or ISV medical assessment, you must notify the CTP Insurer at least two business days in advance to avoid a cancellation fee, which may be deducted from your compensation.
The CTP Insurer has 21 days from receipt of the report to provide you with a copy of an independent assessment or ISV report, and they may contact you (or your legal representative) to discuss the findings. When you receive a copy of the report, if you dispute or do not understand any of the information it contains, you should contact the CTP Insurer.
Information and assistance
Our “Independent assessments” fact sheet is available to download. Or you can contact the claims consultant managing your claim for further assistance.