Honestly, your design is a lazy design. You have to define accessRules for all each actions. And when you do the $model->save(), you need make sure all elements can pass the validation check before save.
So the better way is assigning user type during the user log-in, so it can be access by Yii::app()->user->type. Depends on your statement, user type may be used very often in your system. Once you can handle user->type, then, you only need to create one actionCreate, and one create.php file, but in create.php, you can determine the user type (Yii::app()->user->type) to show different renderPartials.