According to a NJ Uber crash lawyer, determining liability in a NJ Uber accident is often more complex than in a standard car crash. Multiple parties, overlapping insurance policies, and differing statuses of the driver at the time of the Uber crash can all impact your claim.
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Liability Depends on the Uber Driver’s Status at the Time of the Crash
According to a NJ Uber crash lawyer, whether the driver caused the collision or you were hit by someone else, liability hinges largely on what the Uber driver was doing when the accident occurred.
When the Uber Driver Is at Fault and Was Logged into the App
If the driver caused the accident while actively transporting a passenger or en route after accepting a request:
- Uber’s commercial partner insurance can apply. Some sources indicate that in New Jersey, rideshare liability coverage may be up to $1.5 million when the driver is working.
- For example, Uber’s public policy page states that in New Jersey and Nevada, TNC trips must carry $1.5 million in liability coverage.
If the driver accepted a ride but didn’t yet have a passenger, or was between rides, limited coverage may apply (for example $50,000 per person, $100,000 per accident) under state statute.
Did you get in a NJ Uber accident? Looking for an experienced NJ Uber crash lawyer with a winning record against Uber? Tell a nearby CourtLaw NJ Uber crash lawyer what happened.
When Another Driver Is At Fault
If a third-party driver (not the Uber driver) caused the NJ Uber accident, then that driver’s insurance is typically responsible for covering damages. However, because of the complexity of rideshare claims, Uber’s uninsured/underinsured motorist (UM/UIM) coverage may become relevant if the at-fault driver lacks sufficient insurance.
When Both the Uber Driver and Another Party Share Fault
Occasionally, more than one party is found liable. NJ Uber crash lawyer explains that the Uber driver may carry fault for their actions and another driver may also be responsible. In such cases, claims might need to involve both the Uber driver’s personal insurance, Uber’s commercial policy, and the at-fault third-party driver’s insurer.
How the Insurance Coverage Works in New Jersey
Under the New Jersey Transportation Network Company (TNC) law (N.J.S.A. 39:5H‑1 et seq.), insurance obligations for rideshare drivers change depending on their status:
- If the driver is logged off the app: Only their personal auto insurance applies.
- If the driver is logged into the app but not on a trip: Minimum coverage typically includes $50,000 (bodily injury per person), $100,000 (per accident), and $25,000 (property damage) in New Jersey.
- If the driver accepts a request and is en route or has a passenger: The rideshare company’s full commercial policy (up to $1.5 million in many NJ cases) applies, including uninsured/underinsured motorist coverage.
Because of these varying coverage tiers, determining which policy applies is often a key part of liability analysis.
Did you get in a NJ Uber accident? Looking for an experienced local NJ Uber crash lawyer with a winning record against Uber? Tell CourtLaw NJ Uber crash lawyer what happened.
Why Legal Help From a NJ Uber Crash Lawyer Matters
Rideshare accidents can rapidly outpace standard car crashes in terms of complexity. Some of the hurdles include:
- Identifying which insurance policy applies and who is responsible
- Dealing with multiple parties and adjusters
- Navigating state-specific statute tiers and company coverage limits
- Ensuring your rights are protected when the at-fault driver’s policy is inadequate
An experienced NJ Uber crash lawyer—such as those at CourtLaw—knows what questions to ask, what documents to gather, and how to build a claim that factors in all potential sources of recovery.an analyze police reports, witness statements, and insurance policies to determine who’s responsible and make sure you get fair compensation.
Did you or a loved one sustain serious injuries due to a NJ Uber accident? 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 experienced NJ Uber crash lawyer 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.
