NJ Personal Injury Lawyers

How to File an Insurance Claim After an Uber Accident

Being in an Uber accident in NJ—whether as a passenger, pedestrian, or another driver—can be confusing and stressful. Unlike traditional car accidents, rideshare crashes involve multiple insurance policies and parties, which can complicate your claim.

If you’ve been injured in an Uber accident in NJ, follow these five key steps to protect yourself, document your injuries, and strengthen your insurance claim.

If you ever get in an Uber accident in NJ, remember to contact an experienced Uber accident law firm in New Jersey and tell them what happened in your Uber accident. Waiting too long may compromise your case.

cop car on side of road by an Uber accident in NJ

Step 1: Report the Uber Accident in NJ Immediately

Uber has a built-in incident reporting tool inside the app. Open your Uber app, go to “Help” > “Trip Issues and Refunds”, and report the accident.

This triggers Uber’s insurance claim process and alerts their insurance carrier—often a third-party provider like James River or Allstate depending on the state and policy status during the ride.

Even if the Uber driver already reported the crash, you should still submit your own report as a passenger or injured party to ensure your version of the incident is officially recorded.


Step 2: Notify Your Own Insurance Company

Many accident victims make the mistake of thinking that only Uber’s insurance will apply. But under New Jersey’s no-fault laws and Personal Injury Protection (PIP) rules, your own car insurance may be the first layer of medical coverage, even if you were a passenger in someone else’s vehicle.

Contact your insurer to report the accident, especially if you’ll need coverage for medical treatment, lost wages, or property damage. Failing to notify your provider could delay or reduce your benefits later.


Step 3: Gather All Possible Evidence

Your insurance claim will be stronger the more documentation you provide. Right after the accident—or as soon as possible afterward—collect the following:

  • Photos and videos of the vehicles, scene, road conditions, and injuries
  • A copy of the police accident report
  • All medical records, diagnoses, prescriptions, and hospital bills
  • Names and contact information for any witnesses
  • Trip details from your Uber receipt or app
  • Any written communication with Uber or the insurance adjuster
rearview mirror view of NJ emergency vehicles

If you ever get in an Uber accident in NJ, remember to contact an experienced Uber accident law firm in New Jersey and tell them what happened in your Uber accident. Waiting too long may compromise your case.

If your injuries prevent you from gathering this material, a family member, attorney, or investigator can assist you.


Step 4: Be Consistent and Persistent

Uber accident claims often take time due to the involvement of multiple insurance layers—your PIP coverage, Uber’s commercial insurance, and potentially the personal policy of the Uber driver or another driver involved.

Keep detailed notes and copies of every phone call, email, and document exchanged between you, Uber, and any insurance adjusters. Delays are common, but consistent follow-up ensures your claim doesn’t fall through the cracks.


Step 5: Get Legal Help Before Accepting a Settlement

Rideshare companies like Uber are backed by insurance teams that prioritize minimizing payouts. Even when liability seems obvious, the insurer may try to:

  • Downplay your injuries
  • Shift blame to another party
  • Offer a quick but low settlement
  • Delay or deny the claim outright

An experienced Uber accident lawyer understands how to pressure insurers, assess the full value of your damages, and file a lawsuit if necessary.

If you ever get in an Uber accident in NJ, remember to contact an experienced Uber accident law firm in New Jersey and tell them what happened in your Uber accident. Waiting too long may compromise your case.


CourtLaw NJ Personal Injury Lawyer

Why Choose CourtLaw for Uber Accident in NJ Claims?

Did you or a loved one sustain serious injuries in an Uber accident in NJ? Don’t wait for the insurance company to act in your best interest.

You need an aggressive legal team who understands New Jersey’s complex rideshare laws and knows how to fight for your full compensation.

CourtLaw Injury Lawyers represents Uber and Lyft accident victims across New Jersey—including Perth Amboy, Jersey City, New Brunswick, Roselle, and East Orange.

We help clients recover damages for:

  • Medical expenses
  • Lost income
  • Pain and suffering
  • Future rehabilitation
  • Permanent disabilities

Disclaimer:

The articles on this blog are for informational purposes only and do not constitute legal advice or an attorney-client relationship. To get legal advice about your situation, contact our law firm directly.

An experienced Uber accident lawyer in New Jersey can help negotiate with insurance companies and ensure you get the maximum compensation for your injuries, lost wages, and damages.

Did you or a loved one sustain serious injuries due to an accident in New Jersey? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing.

Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled injury attorneys at CourtLaw NJ Personal Injury Lawyers represent clients injured in accidents in Perth Amboy, Jersey City, New Brunswick, Roselle, East Orange, and throughout New Jersey. Call 732-442-5900 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 163 Market Street, Perth Amboy, NJ 08861 as well as offices in Jersey City, New Brunswick, Roselle, and East Orange.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.