TAC (Transport Accident Commission)

Funded therapy and nursing for Victorians injured in a transport accident. TAC is a no-fault scheme, so your entitlement does not depend on who caused the accident, and it covers injuries from any transport accident involving a registered vehicle, whether you were a driver, passenger, motorcyclist, cyclist or pedestrian.

We bill TAC directly and there is no gap fee. Where treatment is approved under an accepted claim, you pay nothing.

Select a Service to Jump To

Select a service to see what happens at your first appointment

In Practice

What This Looks Like in Practice

Most people

A course of physiotherapy over weeks to a few months, with an active home program, and it resolves.

A minority

Where symptoms persist, the factors that predict that are known and partly modifiable: early high pain, high distress, and a belief that movement causes damage. That last one is the one treatment can most influence, and it is why we spend time on explanation rather than only on treatment.

Serious injury

It becomes multidisciplinary and coordinated with your case manager over a longer period, with the focus on independence, home, work and driving.

What You Pay

What You Pay

Nothing

Where treatment is approved under an accepted claim, we bill TAC directly and there is no gap fee. You do not pay us and claim it back, and you are not left with a portion to cover yourself.

Claim not accepted yet?

If your claim has not been accepted yet, you can still be treated. Contact us and we will explain the options rather than have you go untreated while it is processed.

This page covers how to claim, what TAC funds, what we provide, and what each of those services actually does.

What TAC Funds With Us, and What Each Service Does

Physiotherapy

The most commonly used TAC service. Assessment and active rehabilitation for whiplash, back, shoulder, knee and limb injuries, fractures after immobilisation, and post-surgical recovery.

The work is progressive loading and graded return to activity, because prolonged rest after whiplash produces worse outcomes than gradual return to movement. Also includes return-to-work programs and physical readiness for driving.

Read more: TAC Rehabilitation · Sports Injury Treatment · Rehabilitation After Hospital · Neurological Rehabilitation

Occupational Therapy

Getting you back to daily life. Home and workplace assessment, equipment and home modifications where an injury has left lasting limitation, task modification, and fatigue and cognitive strategies after a head injury.

Also functional capacity assessment where TAC or your employer needs evidence of what you can currently do.

Read more: Home Modification Assessments · Assistive Technology Assessments · NDIS Vehicle Modifications

Nursing

Wound care after accident-related surgery, medication management, and clinical care at home during a complex recovery, particularly after a long hospital admission.

Read more: Post-Operative Care · Wound Care

Speech Pathology

Communication and swallowing after a head or facial injury, including where speech clarity, language or safe eating have been affected.

Read more: Aphasia and Communication After Stroke · Swallowing Difficulties

Dietetics

Nutrition support during recovery, particularly after significant trauma, surgery, or where eating has been affected by jaw, facial or swallowing injury.

Read more: Malnutrition and Loss of Appetite

Podiatry

Foot and lower limb injury, and footwear or orthoses where your gait has changed as a result of the accident.

Read more: Custom Orthotics · Heel Pain and Plantar Fasciitis

Simple Process

How to Claim, Step by Step

Lodge early, even if you are not sure you need treatment. Claim time limits apply, and people who wait to see whether an injury settles often find themselves months later with a harder problem and a more complicated claim.

1

Lodge a claim with TAC

Contact TAC on 1300 654 329 or lodge online at tac.vic.gov.au. The hospital or your GP may have started this already. Time limits apply, so do it as soon as you can.

2

Get your claim number

TAC issues a claim number. Keep it, because you will need it every time you book.

3

See your GP

Your GP provides the initial medical certificate and the referral for treatment. They are also the person who coordinates your recovery and whose reports support your claim.

4

Contact us

Call 1300 765 456 with your claim number and GP referral. If a claim is not lodged yet, tell us and we will explain how.

5

We handle the TAC administration

Treatment plans, requests for further sessions, progress reports and liaison with your case manager. TAC generally funds a defined initial course of treatment without prior approval, with further treatment continuing on clinical justification. You should be recovering, not doing paperwork.

Frequently Asked Questions

Will I be out of pocket?
No. We bill TAC directly and there is no gap fee on approved treatment under an accepted claim.
It was my fault. Am I still covered?
Yes. TAC is a no-fault scheme, so your entitlement does not depend on who caused the accident.
How many sessions will TAC cover?
TAC generally funds an initial course without prior approval, with further treatment continuing on clinical justification. We manage the requests and reporting.
Do I need a GP referral?
Yes, for TAC-funded treatment. Our team will explain exactly what is needed.
It has been months since my accident. Is it too late?
No. Later referrals are common and treatable. Claim time limits do apply, so lodge as soon as you can.
I was a cyclist / pedestrian. Am I covered?
Generally yes, where a registered vehicle was involved. Lodge a claim and TAC will assess it.
Can I be treated at home?
Yes, across Melbourne. Clinic appointments are at Roxburgh Park.
What if it happened at work?
A WorkSafe claim may apply instead of or alongside TAC. We can help you work out which.

Conditions

Conditions We Commonly See Under This Funding

The injuries we most often treat under a TAC claim.

See the full list on our Conditions We Treat page →

Where We Deliver This

Roxburgh Park clinic
in-clinic appointments at our clinic in Melbourne's northern suburbs

TAC is a Victorian scheme, so TAC-funded treatment with us is delivered in clinic at Roxburgh Park. If you were injured in a transport accident outside Victoria, a different scheme applies in your state, so contact us and we will point you to it.

Start Your TAC Treatment

Contact inOne Healthcare on 1300 765 456, email info@inonehealthcare.com.au, or book online. Have your claim number ready if you have one.

Monday to Saturday, 9:00am to 5:00pm. Closed Sunday.

Related: WorkCover · TAC Rehabilitation · Neck Pain · Lower Back Pain


Reviewed by Ashley Boykett, National Allied Health Manager. Last reviewed 14 September 2026.

This page explains funding in general terms. Entitlements are determined by the Transport Accident Commission, not by inOne Healthcare.