Ridesharing and You
Ridesharing has become exponentially popular in recent years. Thousands of Queenslander’s use ridesharing companies such as Uber and Lyft on a daily basis to get them to their desired destination. Over time, this type of travel has come to rival the taxi industry, who then expressed their concerns over the lack of regulation and need for proper insurance for said drivers.
So what happens if you are involved in an incident while using a ridesharing service? Is it the same as if you were driving your own car? Ridesharing drivers by Queensland Law are required to have at least Compulsory Third Party Insurance (CTP), so if you are injured while using their service you still have rights. Ridesharing firms such as Uber also have their own insurance that will cover you if the drivers CTP does not cover the total amount of damages, up to $20 million dollars. So as the third party in this instance, you would be covered. The driver who caused the incident would have to owe you a duty of care.
With Uber, you are able to report that you were in an incident using the ‘My Trips’ function. So if you do end up having an issue, make sure you report it. Furthermore, like you would if you had your own incident make sure you take down the license plates of both drivers and any other details such as name, address and registration. You will also have to tell your own insurance company about the incident.