If you have had an accident with a taxi, bus or truck, and the accident was not your fault, you may not know who should pay for your damage.
If you were at fault, you will be responsible for repairs to the car you were driving. The operator of the service or owner of the other vehicle (or their insurance company) may also try to claim their damage from you. For more information, see
Being chased for money after a car accident.
When trying to work out who was at fault you should keep in mind that all drivers have a duty to take reasonable care when driving. This includes keeping a safe distance between your car and the other vehicles around you. Some larger vehicles may need more room when turning corners or driving through roundabouts, and some heavy vehicles may also need more time to stop. There are also special rules that apply to buses and trucks, for example, buses may have a right of way when entering traffic and trucks may have a right of way when turning at intersections.
If you want to know more about the NSW Road Rules, go to
Who is at fault will depend on all the circumstances of the accident. If you have had an accident with a taxi, bus or truck, you should get
Every taxi driven on NSW roads must be run by an operator. The operator of the taxi service must have an insurance policy that covers their drivers for any damage they cause.
If you have an accident where the taxi driver is at fault, the operator's insurance company may pay for your damage but only if the operator makes a claim. The operator may refuse to claim on their insurance. If they do this, you may be able to:
Operators are not the same as the networks that take bookings for taxis, such as Legion Cabs, Combined Taxis, and Silver Service Taxis. Networks are not responsible for damage caused by taxis.
All taxis must carry a copy of the current insurance policy. You should ask to see the policy at the time of the accident and write down the details. If the driver doesn't have a copy of the policy or you didn't get the information at the time of the accident, you can contact the driver after the accident. If you didn't get the details of the driver, you can make an application to Roads & Maritime Services (RMS). For more information, see
Claiming for your damages after an accident with a taxi can be very complicated. You should get
If you are a taxi driver and you are at fault in an accident, and the operator does not claim on their insurance for the damage you caused to other vehicles, you should get
Case study - Peter and John
Peter stopped at the traffic lights at the intersection of Pennant Hills Road and Adderton Street when a bus hit the back of his car. The bus driver, John, got out of the bus and gave Peter his details, including the bus route number and the bus registration number. John also gave Peter his State Transit staff number.
Peter didn't report the accident to the police and he doesn't have comprehensive insurance. Peter wants to know how he can get the damage to his car repaired.
Every public passenger bus driven on NSW roads must be run by an operator. The operator of the bus service must have an insurance policy that covers their drivers for any damage they cause.
If you have an accident with a bus and the bus driver is at fault, you should send your claim to the operator to pass on to their insurance company.
If you are involved in an accident with a State Transit bus (Sydney Buses) you should call the Transport Infoline on 131 500 and report it. You should then write a letter of demand to State Transit, with a diagram of the accident and two repair quotes. For an example, see
Sample letter of demand to State Transit.
Contact details of private bus operators in rural and regional New South Wales can be found on the
Transport for NSW website.
If you are thinking about starting a court case, see
Owed money after a car accident?
If you have an accident with a truck or other heavy vehicle and you are not at fault, you may be able to claim from the driver and/or the driver's employer. For more information, see
Driving for work.
If the driver doesn't exchange details, it is possible to get the details of the truck owner from Roads & Maritime Services (RMS). You can then ask the owner who the driver of the truck was. For more information, see
Once you have the details of both the owner and the driver, you can contact them about paying for your damage. For more information, see
Owed money after a car accident?
Transport for NSW - Rural and regional bus service operators
NSW Transport - State Transit Authority of New South Wales