Rideshare services like Uber and Lyft have transformed transportation in New Jersey, but they also bring new complications when accidents occur. Rideshare crashes in NJ are governed by different rules and insurance structures than regular car accidents. If you’re a driver, passenger, or another motorist involved, it’s important to understand who is liable and what insurance coverage applies.
When Does Uber or Lyft Insurance Apply?
Uber and Lyft coverage depends on the driver’s app status at the time of the crash:
- Driver Offline If the driver is not logged into the app, only their personal auto insurance applies. The rideshare company provides no coverage in this situation.
- App On, No Ride Accepted When the driver is waiting for a ride request, Uber and Lyft offer limited liability coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
This only kicks in if the driver’s personal policy doesn’t fully cover the damages.
- Ride Accepted or In Progress Once a ride is accepted or a passenger is in the vehicle, Uber and Lyft provide up to:
- $1 million in third-party liability coverage
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision (if the driver has that on their own policy)
This is the highest level of coverage and applies throughout the trip.
Who Is Liable in Rideshare Crashes In NJ?
Determining liability depends on who caused the accident and the role of each party:
- Rideshare Driver at Fault: If the rideshare driver caused the accident while logged in, Uber or Lyft’s insurance may apply based on the app status.
- Other Driver at Fault: If another motorist caused the crash, their personal insurance is responsible. Rideshare companies may offer secondary coverage in some cases.
- Third-Party Liability: Poor road conditions or vehicle defects could place liability on a local municipality or car manufacturer.
- Mixed Fault: In some Rideshare Crashes In NJ, multiple parties share liability. New Jersey’s modified comparative negligence laws apply, meaning damages may be reduced based on fault percentage.
Compensation Available After Rideshare Crashes In NJ
Injured parties may be eligible for several types of compensation:
- Medical Expenses: Covers hospital visits, treatment, medication, and future care needs.
- Lost Wages: Compensates for missed work during recovery and long-term earning potential loss.
- Pain and Suffering: Addresses emotional trauma and physical discomfort.
- Property Damage: Reimbursement for damage to your vehicle or personal belongings.
Steps to Take After a Rideshare Crash
- Seek Medical Help – Get evaluated immediately, even if symptoms seem minor.
- Report the Incident – File a report with Uber or Lyft through their app and notify local law enforcement.
- Gather Evidence – Take photos, collect contact info from drivers and witnesses, and keep medical records.
- Speak with a Personal Injury Lawyer – Rideshare crashes in NJ involve complex insurance layers. An attorney can help you determine coverage, file claims, and pursue full compensation.
Why You Need a Personal Injury Lawyer for Rideshare Crashes In NJ
Legal guidance is essential in navigating rideshare crashes in NJ. An experienced attorney can:
- Identify which insurance policy applies
- Handle negotiations with rideshare insurers
- Determine liability and build your case
- File a lawsuit if fair compensation is denied
Contact CourtLaw for Help After Rideshare Crashes In NJ
If you were injured in an Uber or Lyft accident, the attorneys at CourtLaw are here to help. We represent victims of rideshare crashes in NJ, including those in Perth Amboy, Jersey City, New Brunswick, Roselle, and East Orange. Call 732-442-5900 or fill out our contact form to schedule your free consultation today.
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.
