E-hailing and delivery rider claim
You were working, on a trip or a delivery, when someone else's driving put you off the road.
An e-hailing driver or delivery rider hurt by another road user’s careless driving can claim against that driver’s insurer, in the same way as any other road user, since the insurer must satisfy a valid injury claim.[2] Working for a platform at the time does not change who pays, and your own permit status does not decide fault.[3]
This page covers how the claim works for someone earning through a trip or a delivery, and what proof you will need that an employee with a payslip would not.
Your permit or platform status is not the issue
A common worry is that a lapsed permit, or driving without the exact right category of licence, will be used against you. Fault is decided by how each driver actually drove, not by licensing paperwork.[3]
This matters because it means your claim stands on the same footing as anyone else’s, regardless of your own documentation gaps.
Proving your income without a payslip
This is usually the hardest practical part of a gig worker’s claim. A few sources of proof work well together.
- Your app’s earnings and trip history over recent months
- Bank statements showing regular deposits from the platform
- Screenshots of your typical weekly or daily trip volume
- Any tax filing that reflects your self-employed income
Self-employed and injured goes deeper into building this proof properly.
The injury pattern differs by role
An e-hailing car driver’s injuries tend to follow a car accident’s pattern, such as whiplash from a sudden stop. A delivery rider’s injuries tend to follow a motorcycle accident’s pattern instead, such as road rash or a fracture from a fall.
See whiplash claims and soft-tissue injury claims depending on which applies to you.
Save your app data early
Your trip’s route, timestamps and fare details can support the rest of your evidence, alongside the police report and any dashcam footage. Some platforms only keep this data for a limited period, so a screenshot taken the same day is worth more than a request made weeks later.
Were you partly at fault?
If your own riding or driving played some part in the crash, a court can reduce your compensation for that share rather than refuse the claim.[4] How contributory negligence works explains this without a fixed percentage.
What to do next
Get treated, screenshot your trip details, and notify your platform as well as the insurers involved. The general deadline for your own injuries is six years from the accident.[1]
E-hailing driver and delivery rider cover what comes next for each role.
Common questions
Does my own e-hailing or delivery permit status affect my claim?
No. A permit or licensing question is separate from who was negligent in causing the crash, and a Court of Appeal ruling has confirmed that a licensing gap does not itself decide fault.[3] Your right to claim against the at-fault driver does not depend on your own paperwork being perfect.
How do I prove my lost income if I do not have a payslip?
Your app's earnings statements, trip history and bank deposits can show your typical income over recent months. [Self-employed and injured](/self-employed-injury-help/) covers how this kind of proof is put together for a claim.
Who pays if another driver caused the crash while I was working?
The at-fault driver's insurer pays a valid claim for your injuries, in the same way it would for any other road user.[2] Working for a platform at the time does not change whose insurer is responsible.
What if I was not wearing a helmet on a delivery run?
It can reduce your own compensation if it affected a head injury, though it does not end your claim outright.[4] There is no fixed percentage, and the full facts of the crash still matter most.
How long do I have to make my claim?
The general deadline for your own injuries is six years from the accident.[1] App trip records are often kept for a limited period only, so save yours well before that deadline is even close.
Sources
- Limitation Act 1953, s.6(1)(a) (Government of Malaysia) (accessed 2026-09-22)
- Road Transport Act 1987, s.96 (Ministry of Transport) (accessed 2026-09-22)
- HHQ, on a Court of Appeal ruling on negligence and licensing (accessed 2026-09-22)
- Low & Partners, on s.12 Civil Law Act 1956 (contributory negligence) (accessed 2026-09-22)