Last updated · General information, not legal advice
Overview
As a fare-paying passenger in an Uber, Didi, or taxi, you're in the same position as any other passenger when it comes to a CTP claim — you're almost never found at fault, and your claim proceeds against whichever vehicle's Green Slip insurer is liable, whether that's the rideshare or taxi vehicle itself or another vehicle involved in the crash. The commercial nature of the trip doesn't change your right to claim; it can, however, add an extra insurer or two to work out liability between if more than one vehicle was involved.
Key points
- Rideshare and taxi vehicles carry the same CTP insurance requirement as any registered vehicle
- You can claim regardless of whether the rideshare/taxi driver or another driver was at fault
- Being a fare-paying passenger doesn't change your entitlement to claim
- Note down the trip details (app booking reference, driver, rego) as soon as you can
- A free claim check costs nothing and doesn't commit you to anything
Your situation
Work out where you stand
How we help
A free claim check helps you work out which insurer your claim runs against and what to expect, particularly if there's any question about fault between the rideshare/taxi driver and another vehicle. Where liability is disputed, or your injuries are significant, we'll connect you with an independent lawyer experienced in rideshare and taxi passenger claims. Alongside working out which insurer is liable, getting properly assessed by a doctor experienced with CTP claims matters for your recovery and your Certificate of Fitness. See doctors and allied health for CTP claims for help finding providers.
What this means
You can generally claim regardless of which vehicle was at fault — the rideshare/taxi vehicle, another driver, or both. Rideshare and taxi vehicles registered in NSW must carry CTP insurance like any other registered vehicle, so the claim process is broadly the same as for any passenger claim. As a fare-paying passenger you have no role in what caused the accident, so statutory benefits and, for a non-threshold injury, common law damages are generally available in the usual way.
This is general information, not legal advice. Rules depend on your accident date and circumstances, and they change — check the current scheme rules with SIRA and get advice about your own situation.
