ๅจๆฐๆณฝ่ฅฟๅทๆณฝ่ฅฟๅธไนๅไผๆญฅๆถๅไผค๏ผ
ๆฐๆณฝ่ฅฟๅท็ Uber/Lyft ไบๆ ๅฏ่ฝไผ่ฎฉไฝ ๆๅฐ้ฎ้ข้้๏ผๆ ๆ้ไปใๅฆๆๆจๆๅฐไธ็ฅๆๆชๆไธ็กฎๅฎไธไธๆญฅ่ฏฅๆไนๅ๏ผๆไปฌๅฐไธ่ทฏ้ชไผดๆจ๏ผๅพๅฌๆจ็่ฏๆฑ๏ผๆไพๆฏๆๅนถไธบๆจๆไพไฟกๆฏใ.
ๆฐๆณฝ่ฅฟๅทๆณฝ่ฅฟๅ 07302
Driving for rideshare companies like Uber and Lyft is becoming increasingly popular in New Jersey. Demand continues to grow as many people opt to make money using the convenience and control that come from working on their own schedule rather than maintaining a set work week.
ๅฐฝ็ฎก้ฉพ้ฉถไธไธๅฎ่ขซ่ฎคไธบๆฏไธ้กนๅฑ้ฉ็ๅทฅไฝ๏ผไฝๅฎ็กฎๅฎๅฏ่ฝๅฏผ่ดไธฅ้ไธๆๅค็ไผคๅฎณใ.
Whether driving with a passenger or on your way to pick someone up, it is important that rideshare drivers understand their legal rights to compensation if an accident occurs. This includes rideshare accidents involving uninsured drivers. Below, are some of the things you should know.
็ฝ็บฆ่ฝฆๅธๆบ่ขซ่งไธบ็ฌ็ซๆฟๅ ๅ๏ผ่้ๅ ถๆๅฑๅ ฌๅธ็้ๅใๅไผๆญฅๅ Lyft ่ฟๆ ท็ๅ ฌๅธ๏ผ้็จ่ฟ็งๅไธ็ปๆ๏ผๆ ้ๅๅธๆบๆไพไปปไฝ้ไฝฃ็ฆๅฉ๏ผๅช้ไธบๅทฒๅฎๆ็ๅทฅไฝๆฏไปๆฅ้ ฌใ.
ๆ ่ฟ้ไบๆ
ๆฐๆณฝ่ฅฟๅทๆฏไธไธชโๆ ่ฟ้โๅท๏ผ่ฟๆๅณ็ๆ ่ฎบไบๆ ๆฏ่ฐ้ ๆ็๏ผๆจ่ชๅทฑ็ไฟ้ฉๅ ฌๅธ้ฝไผๅธฎๅฉๆฏไป้จๅไบๆ ่ดน็จใ.
ๆๆๆฐๆณฝ่ฅฟๅทๅธๆบๅฟ ้กปๆบๅธฆ ไบบ่บซไผคๅฎณไฟๆคไฟ้ฉ (PIP), but that may not always cover the associated expenses, and unfortunately, not all drivers are compliant with insurance mandates.ย
ๆๆไบค้็ฝ็ปๅ ฌๅธ๏ผTNC๏ผโโไพๅฆๆฐๆณฝ่ฅฟๅท็็ฝ็บฆ่ฝฆๅธๆบโโ้ฝ่ขซ่ฆๆฑๆฅๆ ๅ ฑไน่ฎคๅฏ ้คๅ ถPIPไฟ้ฉๅคใๆขๅฅ่ฏ่ฏด๏ผ็ฝ็บฆ่ฝฆๅธๆบๅฟ ้กป้ๆถๆบๅธฆ$150ไธ็พๅ ็่ดฃไปป้ฉไปฅๅ150ไธ็พๅ ็ๆ ไฟ้ฉๆไฟ้ฉไธ่ถณ้ฉพ้ฉถๅ้ฉ๏ผๅนถ้่บซๆบๅธฆไฟ้ฉ่ฏๆใ.
ไผๆญฅๅLyftๅ ฌๅธไฟ้ฉ
็ฝ็บฆ่ฝฆๅ ฌๅธไธบๅ ถๆๆๅธๆบๆไพไฟ้ฉ๏ผไฟ้ขไธบ$ๆฏ่ตทไบๆ 100ไธ็พๅ ๏ผ็จไบ่ตๅฟไบบ่บซไผคๅฎณๅ่ดขไบงๆๅคฑใ็ถ่๏ผๆญคไฟ้ฉไป ๅจๅธๆบ่ชๅทฑ็ไฟ้ฉ็จๅฐฝๅๆ้็จใ.
ๆฒกๆไบบๆณ็ปๅ้ฃ็งๅฐดๅฐฌ็ๆถๅป๏ผๅฝๆจๅ้ ๆไบๆ ็ๅธๆบ็ดข่ฆไฟ้ฉไฟกๆฏๆถ๏ผไปไปฌๅดไปไน้ฝๆฒกๆใๅจๆไบๆ ๅตไธ๏ผไปไปฌๅฏ่ฝ่ฎคไธบ่ชๅทฑๆ่ถณๅค็ไฟ้ฉ๏ผไฝๅฎ้ ไธ๏ผไปไปฌ็ไฟๅๅทฒ่ขซๅๆถๆไธ่ถณไปฅๆฏไปๅ จ้จๆๅคฑใ.
Luckily, both Uber and Lyft carry uninsured and underinsured policies for all drivers. Your driving status at the time of the accident will determine whether the companyโs insurance applies.
Here is what both rideshare companies offer:ย
- ไธ็พไบๅไธ็พๅ ็็ฌฌไธๆน่ดฃไปปๆชๆไฟ้ฉพ้ฉถๅไฟ้ฉใ. ๆญคไฟ้ฉๆถต็็ฑๆช่ดญไนฐๆฑฝ่ฝฆไฟ้ฉ็ๅฆไธไฝๅธๆบ้ ๆ็ไบๆ ใๆญคไฟ้ฉๅฏ็จไบๆฏไป็ฝ็บฆ่ฝฆๅธๆบๅ่ฝฆๅ ไนๅฎข็ไผคๆ ่ดน็จใ.
- ไธ็พไบๅไธ็พๅ ็ๆชไฟ้ฉ/่ขซไฟ้ฉ้ฉพ่ฝฆ่ ้ฉใ. ่ฟ็งๆ ๅต้็จไบ้คไบ็ฝ็บฆ่ฝฆๅธๆบไปฅๅค็็ฌฌไธๆน้ ๆ็ไบๆ ๏ผไธ่ฏฅ็ฌฌไธๆนๆฒกๆ่ถณๅค็ไฟ้ๆฅ่ตไปๆๆๆๅคฑใไพๅฆ๏ผๅฆๆไธๅ้ฉพ่ฝฆ่ ้ฏ็บข็ฏๅนถๆไธไบไธ่พ่ฝฝๆไนๅฎข็็ฝ็บฆ่ฝฆ๏ผไฝ่ฏฅ้ฉพ่ฝฆ่ ๆฒกๆ่ถณๅค็ไฟ้ฉ๏ผไนๅฎขๅฏไปฅๅฏปๆฑ็ฝ็บฆ่ฝฆๅ ฌๅธ็ไฟ้ฉไปฅ่ทๅพ้ขๅค่ตๅฟใ.
่ฝ็ถไฟ้ฉ้ๅธธ็่ตทๆฅๅพ็ฎๅ๏ผไฝๅฝๅฏนๆนๆ่ฟ้๏ผไธๅ ถไฟๅๆฏไธป่ฆ็่ตๅฟๆฅๆบๆถ๏ผ่ทๅพๅบๅพ็่ตๅฟๅฏ่ฝไผๅๅพๆดๅ ๅคๆใ็ฝ็บฆ่ฝฆๅ ฌๅธ็ไฟ้ฉๆฏๆฌก่ฆ็๏ผๅชๆๅจๆจไธปๅจไฝฟ็จ่ฏฅๅบ็จ็จๅบๆถๆ่ฝ่ทๅพใ.
ๅฐฝ็ฎก็ฝ็บฆ่ฝฆๅ ฌๅธๆไพๆ ไฟ้ฉๅไฟ้ฉไธ่ถณ็ไฟ้๏ผไปฅไฟๆคๅ ถๅธๆบๅไนๅฎข๏ผไฝ่ฆ่ฎฉไปไปฌ่ตไปๅฏ่ฝ้่ฆไธไบๅชๅใไปปไฝๆถๅ๏ผๅฆๆไฝ ๅค็็ๆฏ้ไผคๆ็ฌฌไธๆนไฟ้ฉ๏ผๆๅฅฝๆไธไฝ็ป้ชไธฐๅฏไธ็ๆไผๆญฅๅ่ฑๅพท ไบๆ ๅพๅธ ๅจไฝ ่ฟ่พนใ.
ๆจๆฏๅฆ่ฝๅค่ทๅพ็ฝ็บฆ่ฝฆๅ ฌๅธ็ไฟ้ฉ๏ผๅๅณไบ ๅทฒๅฉ็ถๆ ไบๆ ๅ็ๆถ็ฝ็บฆ่ฝฆๅธๆบ็่บซไปฝใไปฅไธๆฏไธๅ็่บซไปฝไปฅๅๅจๆฏ็งๆ ๅตไธๅ ฌๅธไฟ้ฉ็้็จๆ ๅตใ.
- ็ฆป็บฟ้ฉฑๅจ็จๅบโAn offline driver is in their vehicle but not using the rideshare app. In this case, the rideshare companyโs insurance would not apply at all.ย
- ๅฏ็จ้ฉฑๅจ็จๅบโA driver is their vehicle with the rideshare app on, and they are waiting for a passenger to accept a ride. If an accident occurs during this time and exceeds the driverโs policy limits, the rideshare companyโs insurance could apply after the at-fault partyโs coverage is applied.ย
- ๅจ่ทฏไธโA driver is on their way to pick up a passenger, which means that they are actively working for the company. If an accident occurs during this time, the company insurance could be applied after the at-fault partyโs insurance.ย ย
- ๆ ้ไธญโWhen the driver is actively taking the rideshare passenger to their destination, the full amount of the companyโs insurance policy is available after the at-fault partyโs coverage is applied.ย ย
ๅ็ไบๆ ๆถ๏ผๆชๅๅบ็จๅ ่ก็จๆชๅพๆฏไธชๅฅฝไธปๆใ่ฟๆๅฉไบ่ฏๆๆจๅฝๆถๅจๅ ฌๅธ็งฏๆๅทฅไฝใๅฝๅธๆบๅจๅ ฌๅธ็งฏๆๅทฅไฝๆถ๏ผๅฆๆ้ ๆไบๆ ็ๅธๆบๆฒกๆไฟ้ฉ๏ผๅ ฌๅธๅบๅ จ้ขๆฟๆ ไฟ้ฉ่ตไปใ.
ๆชๅพ่ฟๅฏไปฅๅธฎๅฉ่ฏๆไบๆ ๅ็็ๆถ้ดๅๅฐ็น๏ผ่ฟๆๅณ็ๆจไปฅๅ้่ฆๆถ้็่ฏๆฎไผๆดๅฐใๆจๅฏ่ฝ่ฟๆณ่่ๆๆไบๆ ็ฐๅบ็็ ง็๏ผไปฅๅธฎๅฉๆจ็ New Jersey Lyft and Uber accident attorney ไปฅ้ฒๆญคไบๆไธบๆกไปถ็ไบ่ฎฎ็น๏ผ่ฏๆ่ฐๅบ่ด่ดฃใ.ย ย
่็ณป็ฝ็บฆ่ฝฆไบๆ ๅพๅธ
็ฝ็บฆ่ฝฆไบๆ ๅฐคๅ ถๆฏๅจๅ็ๆถๅๆ ไฟ้ฉ้ฉพ้ฉถๅ็ๆผ่ฝฆไบๆ ๆถ๏ผๆ ๅตไผ่ฟ ้ๅๅพๅคๆใไฝ่ฏทไธ่ฆๅ ๆญค่ๆพๅผๅบๅพ็่ตๅฟใ.
The experienced ๆฐๆณฝ่ฅฟๅทไบบ่บซไผคๅฎณๅพๅธ at Glugeth & Pierguidi, P.C. understand what it takes to win against big corporations and insurance companies.
We have obtained ๆฐ็พไธ็พๅ ็ๆๆ ๅจ่ฟๅปไธๅๅนด้๏ผๆฐๆณฝ่ฅฟๅท็ๅไผคๅๅฎณ่ ๏ผๆไปฌๅจๆญคไธบๆจๆไพๅธฎๅฉใ. ่็ณปๆไปฌ ๅฎๆๆจ็ๆกไปถๅจ่ฏขใ.
1. What happens if an uninsured driver hits the Uber or Lyft I am riding in as a passenger?
Under New Jersey law (N.J.S.A. 39:5H-10), transportation network companies like Uber and Lyft are required to carry Uninsured Motorist (UM) coverage. If an uninsured driver causes a crash while you are on an active trip, the rideshare companyโs corporate policy provides up to $1.5 million in UM coverage to pay for your bodily injuries and damages.
No. The $1.5 million UM coverage applies only during a โprearranged rideโ (from the moment a driver accepts a request through passenger drop-off). If the driver is logged into the app but still waiting for a request, New Jersey requires lower statutory minimum liability limits ($50,000 per person / $100,000 per accident) along with basic state-mandated UM coverage.
3. Can I file an Uninsured Motorist claim if the crash was a hit-and-run?
Yes. In New Jersey, a driver who flees the scene without being identified is legally treated as an uninsured motorist. As long as the incident is promptly reported to the police and the rideshare company, you can access the rideshare policyโs UM coverage.
In New Jerseyโs no-fault system, medical bills are typically processed first through Personal Injury Protection (PIP).
- If you own a car (or live with a relative who does): Your personal auto policyโs PIP coverage usually pays your medical bills first.
- If you do not own a vehicle: You may be eligible to receive PIP benefits through the rideshare policy or state funds, depending on your situation.
ไธไธช uninsured driver has no valid auto insurance policy at all (or committed a hit-and-run). An underinsured driver has legal auto insurance, but their policy limit is too low to cover the full extent of your injuries. New Jersey mandates that rideshare companies carry both Uninsured (UM) and Underinsured Motorist (UIM) coverage up to $1.5 million during active rides to protect passengers in either scenario.
Yes. If your total damages exceed the coverage limits provided by the rideshare policy, or if there is a coverage dispute, you may be able to stack or utilize your own personal auto policyโs Uninsured/Underinsured Motorist (UM/UIM) coverage, depending on your policy terms.
Rideshare drivers must maintain personal auto insurance, but standard personal auto policies generally exclude coverage when the car is used for commercial or rideshare driving (the โbusiness use exclusionโ). This is why New Jersey law requires Uber and Lyft to provide primary commercial insuranceโincluding UM protectionโwhenever the driver is logged into the app.
No. In typical New Jersey car accidents, drivers who select the โverbal thresholdโ on their personal insurance must prove a permanent injury to sue for pain and suffering. However, rideshare passengers are generally not bound by the verbal threshold defense when recovering compensation from a rideshare companyโs policy, making it easier to claim non-economic damages.
If a rideshare driver causes a crash while actively carrying a passenger or en route to pick one up, the rideshare companyโs $1.5 million primary liability policy applies to cover your injuries. Under recent New Jersey case law, rideshare policies must also provide required statutory Personal Injury Protection (PIP) for medical expenses if an injured pedestrian has no vehicle or household auto insurance available.
In New Jersey, the legal statute of limitations for personal injury claimsโincluding uninsured motorist actionsโis ไธคๅนด from the date of the accident (N.J.S.A. 2A:14-2). However, UM claims involve strict notice requirements within the insurance policy itself, so notifying all involved insurers as soon as possible after the crash is critical.
ๅคงๅซ-็ฎๅฐๅ่ฟช๏ผDavid Pierguidi๏ผๅ่ดพ้ๅพท-ๆ ผ้ฒๆ ผ๏ผJared Glugeth๏ผ็่งฃ๏ผ็ฑไบไปไบบ็็ๅฟฝ่กไธบ่ๅฏผ่ดไบๆ ๅ็ๅ๏ผๅฏนๆจๅๆจ็ๅฎถไบบๆฅ่ฏดๆฏๅคไน่ฐ้พใ่ฏท็ซๅณๆฅๅๆ้็ๆฒป็๏ผ็ถๅ้ๆถ่ด็ตๆไปฌ็ๅพๅธไบๅกๆ๏ผๆไปฌๅฐไธบๆจ่งฃ็ญ็้ฎใ.