Ride-sharing services like Uber and Lyft have become a daily part of life in New Jersey. While they offer convenience, New Jersey ride-sharing accidents are becoming more common—and when they do occur, understanding your insurance rights is critical.
So, what happens when you’re injured in a ride-sharing accident? Who pays? And how much are you entitled to? Here’s your guide to understanding insurance coverage in these complicated cases.
Immediately tell CourtLaw NJ lawyers what happened when you or someone you know get involved in New Jersey ride-sharing accidents.
Understanding Ride-Sharing Insurance Coverage in New Jersey
In New Jersey, ride-sharing companies are legally required to provide insurance coverage that protects passengers, drivers, and third parties. This includes:
1. Liability Coverage
Covers bodily injury and property damage caused by the Uber or Lyft driver.
- Period 1: App is on, driver waiting for a ride
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage
- Period 2: Driver accepted a ride and is en route
- Period 3: Passenger is in the vehicle
- Up to $1.5 million in liability coverage
- Includes uninsured/underinsured motorist (UM/UIM) protection
These protections apply whether you’re a passenger in the ride-share vehicle or a third-party driver hit by an Uber or Lyft operator.
2. Uninsured / Underinsured Motorist Coverage (UM/UIM)
If another driver causes the accident but lacks sufficient coverage, Uber and Lyft must still provide compensation up to $1.5 million during Periods 2 and 3.
3. Contingent Comprehensive & Collision Coverage
Applies to damage to the Uber/Lyft vehicle itself—but can indirectly impact coverage decisions in your case if there’s a dispute.
Immediately tell CourtLaw NJ lawyers what happened when you or someone you know get involved in New Jersey ride-sharing accidents.
Why Claims Get Denied—or Delayed
Despite strong legal requirements, actually receiving compensation from a ride-sharing insurer is rarely easy. Common challenges include:
- Disputes over which period the driver was in during the crash
- Attempts by the ride-share company to shift liability to the driver’s personal insurance
- Confusion over whether you were covered as a passenger or a third party
- Delays caused by multiple insurers pointing fingers
That’s why legal guidance is essential—especially when you’re dealing with injuries, lost wages, and stress from recovery.
CourtLaw Injury Lawyers: Proven Success in Ride-Sharing Accident Cases
Our firm has secured significant results for clients in New Jersey ride-sharing accidents, including:
- $725,000 for a seriously injured Uber passenger
- $950,000 for a Jersey City client in a disputed Lyft accident
We know the tactics insurers use to reduce payouts—and we fight back with:
- Case-by-case investigations to determine exact liability
- Analysis of insurance policies to challenge coverage gaps
- Skilled negotiation to ensure fair compensation
- Litigation, when needed, to hold Uber, Lyft, and other parties accountable
Immediately tell CourtLaw NJ lawyers what happened when you or someone you know get involved in New Jersey ride-sharing accidents.
What to Do After a Ride-Share Accident in New Jersey
- Seek medical help immediately, even for minor symptoms
- Report the crash to police and through the Uber/Lyft app
- Document everything—photos, witness names, ride-share details
- Do not speak with insurance companies before consulting a lawyer
- Contact CourtLaw Injury Lawyers for a free case review
Get Legal Support from Newark’s Trusted Ride-Share Attorneys
New Jersey ride-sharing accidents can leave victims overwhelmed—physically, emotionally, and financially. With CourtLaw on your side, you’ll have experienced attorneys fighting for your rights, challenging insurance denials, and making sure you get the compensation you truly deserve.
We serve clients across Newark, Jersey City, Perth Amboy, and statewide. Contact us today to get the answers and support you need.
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.
