Sydney CBD & inner city · Motor vehicle accident claims

MVA lawyer Glebe: trucks, buses and rideshare

Came off, knocked down or hurt as a passenger? Start with whether it counts as a motor accident.

Road users outside a car face questions drivers rarely do. Does a solo motorbike crash count? Is a bicycle covered? What about an e-scooter, a bus or a delivery job? People from Glebe can use our free claim check by phone or online to get plain answers, then be pointed to the right help, which is often simpler than they expect.

Postcode: 2037

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Is it a motor accident? A quick guide

Generally, the CTP scheme covers injuries caused by the use or operation of a registered motor vehicle in NSW. Most crashes involving one are covered, whoever you were. The edge cases are technical, so if yours sits in the right-hand column, ask before ruling anything out.

Usually a CTP (motor accident) claim

  • A car, truck, bus or motorbike hit you while you were walking, riding or cycling
  • You were a pillion, or a passenger on a bus, in a taxi or in a rideshare car
  • Someone opened the door of a parked car into your path
  • An unsecured load or a loose trailer caused your crash (generally)
  • A driver forced you off the road without touching you (it turns on the evidence)

Often not a CTP claim: check first

  • You came off your bicycle and no motor vehicle played any part
  • An e-scooter or bicycle rider knocked you down on a footpath
  • You were hurt at a track day, race meeting or other closed-circuit event
  • A pothole or loose gravel was the only cause of your fall
  • A quad bike or unregistered trail bike on private land was involved

General information, not legal advice. Whether an incident is a motor accident depends on the facts. Time limits apply.

Glebe road users and the CTP scheme

Cyclists use the separated city cycleways but still share busy streets with buses, taxis and delivery trucks. If a vehicle turned across you or a door opened into your path, it's usually a motor accident claim. Near the Glebe light rail stop, buses pull in and out, taxis and rideshare cars stop briefly, and people cross between them. Injuries in that mix are often motor accidents, so note the vehicle's registration or route number. On a route like Glebe Point Road, trucks and buses mix with motorbikes and bicycles. When a heavy vehicle is involved, note any company name or fleet number, because it helps identify the insurer.

Busy places such as Glebe Markets, Bidura House and the Blackwattle Bay foreshore bring people on foot, cyclists and turning cars together. A pedestrian hit in a car park open to the public may still have a CTP claim, depending on the details.

Region
Sydney CBD & inner city
Postcode
2037
Getting around
Glebe light rail stop · Jubilee Park light rail stop
Main roads
Glebe Point Road · Parramatta Road
Local landmarks
Glebe Markets · Bidura House
Nearest public hospital
Royal Prince Alfred Hospital

What counts as a motor accident

In NSW, a motor accident is generally an incident involving the use or operation of a motor vehicle that causes an injury. You don't need to have been driving, or even in a vehicle. A pedestrian, a cyclist, a pillion passenger and a bus passenger can all be injured in a motor accident. For accidents from 1 December 2017, the Motor Accident Injuries Act 2017 sets the rules.

Where you were matters too. Crashes on public roads are the core of the scheme, but a car park open to the public or a driveway can also be covered, depending on how the vehicle was being used. A crash at a racetrack, or on private land with an unregistered vehicle, usually isn't. When the setting is unusual, get it checked before assuming either way.

Cyclists, e-bikes and e-scooters

Dooring is one of the more common ways cyclists are hurt in busy streets. A car door opened into your path is generally part of using that car, even while it's parked, so the injury claim goes to its CTP insurer. Before the car leaves, record its plate and who opened the door, and photograph the door and where you fell.

E-scooters raise a question of their own. A scooter isn't covered by CTP insurance itself, so if a scooter rider knocked you down on a footpath, a CTP claim is unlikely and another path may apply. If a car hit you while you were on a scooter, a claim against the car's insurer may still be possible. Have the specific facts checked.

Read next:Cyclist accident claims

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Trucks and heavy vehicles

When a truck is to blame, the injury claim is made to that truck's CTP insurer. Nothing about the scheme or its time limits changes because the vehicle was a heavy one. What can differ is the evidence. Many trucks carry forward-facing cameras, some record location and speed, and heavy-vehicle drivers may keep work diaries. None of it will necessarily exist, and it may not be kept for long.

Injuries from a crash with a heavy vehicle are often serious: fractures, head injuries and injuries to the spine. Medical evidence needs to cover every injury, and early legal advice can be worth having because more parties and more records are involved. That doesn't mean you need a lawyer to lodge, only that the file can become complex.

Motorcycle riders and pillion passengers

Missing or inadequate gear can become an argument: the insurer may claim a particular injury would have been less serious with proper protection. Where the evidence backs that up, contributory negligence can reduce the claim by a percentage. If the rider is found more than 61% at fault, the damages claim is lost, and statutory benefits are generally limited to the first 52 weeks. Keep damaged gear unrepaired, and photograph it from every side.

Broken bones, torn ligaments, nerve damage and head injuries are common in motorcycle crashes. Those are generally not threshold injuries, which matters for how long benefits run and whether damages may be possible. Make sure each doctor records every injury, not just the most painful one, and links it to the crash in their notes.

Read next:Motorcycle accident claims

Buses, taxis, rideshare and delivery riders

Buses, taxis and rideshare cars carry CTP insurance like any other registered vehicle. As a passenger, you generally claim against the insurer of whichever vehicle caused the crash: the one you were in if its driver was at fault, or another vehicle if that driver was. You claim against the insurer, not the bus company or the app. Passengers are rarely found at fault.

Food and parcel delivery puts riders on busy roads for long hours. When a car hits one, the claim may go to that car's CTP insurer. A rider working as an employee at the time usually claims workers compensation first, so the details of the arrangement matter. Platform insurance, where it exists, has its own terms and doesn't necessarily replace either claim.

Read next:Rideshare and taxi accident claims

If you were on foot

Pedestrian injuries can be serious because there's nothing between you and the vehicle. Fractures, hip and pelvic injuries and head injuries are common. Statutory benefits are available to most injured pedestrians whoever caused the crash, and a damages claim may be possible where the driver was at fault. Ask your doctors to note each injury, including the less obvious ones.

When a driver says you stepped out suddenly, video from a shop, a bus or a council camera may show otherwise. Ask the owner in writing to keep it, giving the date, time and exact spot. Do it quickly, or have someone do it for you while you recover, because many systems record over within days.

Read next:Pedestrian accident claims

What to keep, depending on how you were travelling

If you ride, your own devices may hold the strongest evidence. Helmet and handlebar cameras, bike computers and tracking apps can show your speed, your line and the moment of impact. Copy the original files somewhere safe straight away, before a device loops over them, and don't trim or edit anything. Keep your damaged helmet and gear as they are.

  • The vehicle's registration, company name or route number
  • Photos of the crossing, lane markings or bike lane
  • Your damaged helmet and gear, kept unrepaired
  • A screenshot of the rideshare or delivery trip

Read next:At-fault self-check

Riders, pedestrians and passengers: when a lawyer helps

Many riders, cyclists and pedestrians run their own claim once it's clear the crash counts as a motor accident. Advice matters more when cover is questioned, several parties are involved or the injuries are serious. These lists are a rough guide.

Often worth talking to a lawyer

  • Cover is disputed because you were riding an e-bike or e-scooter
  • The crash happened near a state border and the scheme is unclear
  • The insurer says your crash wasn't a motor accident at all
  • A truck or bus operator's records may matter and need to be kept

You may not need one

  • You were a bus or rideshare passenger and the insurer has accepted the claim
  • What you need first is a doctor to treat and record your injuries
  • Your injuries are healing and treatment is being approved

Riders, cyclists and pedestrians often have several injuries at once. We can point you to doctors and allied health who work with CTP claims and can record each one on the Certificate of Fitness.

Not quite your situation?

  • If you were driving or a passenger in a car and the question is who caused the crash, the car accident lawyer page fits better. Car accident lawyer in Glebe
  • If you're not sure what kind of claim you have, or the vehicle drove off or wasn't insured, the car accident claim page sorts that out. Car accident claim in Glebe
  • If you already know it's a motor accident and just want to know whether a lawyer is worth it, see the CTP lawyer page. CTP lawyer in Glebe

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