{"id":1661,"date":"2025-11-07T21:01:34","date_gmt":"2025-11-08T04:01:34","guid":{"rendered":"https:\/\/www.njnylawyers.com\/?p=1661"},"modified":"2025-11-10T06:23:15","modified_gmt":"2025-11-10T13:23:15","slug":"rideshare-accidents-and-pip-coverage-in-new-jersey-explained","status":"publish","type":"post","link":"https:\/\/www.njnylawyers.com\/zh\/blog\/rideshare-accidents-and-pip-coverage-in-new-jersey-explained\/","title":{"rendered":"\u65b0\u6cfd\u897f\u5dde\u7684\u5171\u4eab\u51fa\u884c\u4e8b\u6545\u4e0e PIP \u627f\u4fdd\u8303\u56f4\u89e3\u6790"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5728\u5171\u4eab\u5355\u8f66\u4e8b\u6545\u4e2d\u53d7\u4f24\uff0c\u786e\u5b9a\u8c01\u6765\u652f\u4ed8\u60a8\u7684\u533b\u7597\u8d39\u7528\u5f80\u5f80\u662f\u5eb7\u590d\u8fc7\u7a0b\u4e2d\u6700\u7d27\u5f20\u7684\u90e8\u5206\u3002. <a href=\"https:\/\/www.njnylawyers.com\/zh\/blog\/new-jersey-no-fault-laws\/\">\u65b0\u6cfd\u897f\u5dde\u7684\u65e0\u8fc7\u9519\u6cd5<\/a> \u4e2a\u4eba\u4e8b\u6545\u4f24\u5bb3\u9632\u62a4\uff08PIP\uff09\u4fdd\u9669\u53ef\u80fd\u4f1a\u6709\u5e2e\u52a9\uff0c\u4f46\u5f53\u6d89\u53ca\u5230Uber\u6216Lyft\u65f6\uff0c\u89c4\u5219\u4f1a\u53d8\u5f97\u66f4\u52a0\u590d\u6742\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u7f51\u7ea6\u8f66\u4e8b\u6545\u7d22\u8d54\u548c\u4e2a\u4eba\u4e8b\u6545\u9669\uff08PIP\uff09\u7684\u8fd0\u4f5c\u65b9\u5f0f\uff0c\u5bf9\u4e8e\u4fdd\u62a4\u60a8\u7684\u6743\u5229\u81f3\u5173\u91cd\u8981\u3002\u65e0\u8bba\u60a8\u662f\u4e58\u5ba2\u3001\u7f51\u7ea6\u8f66\u53f8\u673a\uff0c\u8fd8\u662f\u88ab\u4f18\u6b65\uff08Uber\uff09\u6216\u6ef4\u6ef4\uff08Lyft\uff09\u6c7d\u8f66\u649e\u5230\u7684\u4eba\uff0c\u9002\u7528\u7684\u6cd5\u5f8b\u53ef\u80fd\u4f1a\u51b3\u5b9a\u60a8\u7b26\u5408\u54ea\u4e9b\u798f\u5229\u4ee5\u53ca\u5c06\u6765\u662f\u5426\u4f1a\u9762\u4e34\u533b\u7597\u503a\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 <a href=\"https:\/\/www.njnylawyers.com\/zh\/\">Glugeth &amp; Pierguidi, P.C.<\/a>, \u6211\u4eec\u5728\u65b0\u6cfd\u897f\u5dde\u548c\u7ebd\u7ea6\u5dde\u5e2e\u52a9\u4e86\u65e0\u6570\u53d7\u4f24\u7684\u5ba2\u6237\uff0c\u8ba9\u4ed6\u4eec\u5bf9\u7f51\u7ea6\u8f66\u516c\u53f8\u8ffd\u8d23\u3002\u6211\u4eec\u62e5\u6709\u8d85\u8fc7\u4e09\u5341\u5e74\u7684\u6cd5\u5f8b\u7ecf\u9a8c\uff0c\u6df1\u77e5\u5982\u4f55\u5904\u7406\u7f51\u7ea6\u8f66\u4e8b\u6545\u4e2d\u7684\u4eba\u8eab\u4f24\u5bb3\u8d54\u507f\u3001\u4fdd\u9669\u5ef6\u8fdf\u4ee5\u53ca\u8d23\u4efb\u4e89\u8bae\u3002\u5982\u679c\u60a8\u4e0d\u786e\u5b9a\u4e0b\u4e00\u6b65\u8be5\u600e\u4e48\u505a\uff0c\u6211\u4eec\u5c06\u968f\u65f6\u4e3a\u60a8\u63d0\u4f9b\u6307\u5bfc\uff0c\u5e76\u4e89\u53d6\u60a8\u5e94\u5f97\u7684\u8d54\u507f\u3002.<\/p>\n\n\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"721\" src=\"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-1024x721.jpg\" alt=\"rideshare accident PIP coverage \" class=\"wp-image-1662\" style=\"width:810px;height:auto\" srcset=\"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-1024x721.jpg 1024w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-500x352.jpg 500w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-768x541.jpg 768w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-1536x1081.jpg 1536w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-2048x1442.jpg 2048w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/11\/rideshare-accident-PIP-coverage-scaled-e1762574308878-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u4e2a\u4eba\u4e8b\u6545\u4fdd\u9669 (PIP) \u4ee5\u53ca\u5b83\u5728\u65b0\u6cfd\u897f\u5dde\u5982\u4f55\u8fd0\u4f5c\uff1f&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e2a\u4eba\u4f24\u5bb3\u4fdd\u62a4\uff08PIP\uff09\u662f\u65b0\u6cfd\u897f\u5dde\u5f3a\u5236\u8981\u6c42\u7684\u4e00\u79cd\u4fdd\u9669\u3002\u65e0\u8bba\u4e8b\u6545\u662f\u8c01\u9020\u6210\u7684\uff0c\u5b83\u90fd\u80fd\u62a5\u9500\u60a8\u56e0\u8f66\u7978\u4ea7\u751f\u7684\u533b\u7597\u8d39\u7528\u548c\u5176\u4ed6\u7ecf\u6d4e\u635f\u5931\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e38\u89c1\u7684\u4fdd\u9669\u7406\u8d54\u9879\u76ee<a href=\"https:\/\/lis.njleg.state.nj.us\/nxt\/gateway.dll\/statutes\/1\/32373\/33765?f=templates$fn=document-frameset.htm$q=%5Brank,100%3A%5Bdomain%3A39%3A6A-4%5D%20%5Bsum%3A39%3A6A-4%5D%20%5D%20$x=server$3.0#LPHit1\" target=\"_blank\" rel=\"noreferrer noopener\"> \u6807\u51c6PIP\u4fdd\u5355\u5305\u62ec<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u533b\u7597\u8d39\u7528\u3002.<\/strong> \u8fd9\u4e9b\u8d39\u7528\u6700\u9ad8\u53ef\u8fbe\u60a8\u7684\u4fdd\u5355\u9650\u989d\uff0c\u6839\u636e\u60a8\u9009\u62e9\u7684\u8ba1\u5212\u548c\u4f24\u60c5\u7684\u4e25\u91cd\u7a0b\u5ea6\uff0c\u9650\u989d\u53ef\u80fd\u5728 $15,000 \u81f3 $250,000 \u4e4b\u95f4\u3002.<\/li>\n\n\n\n<li><strong>\u635f\u5931\u7684\u5de5\u8d44.<\/strong> PIP \u8fd8\u4f1a\u8d54\u507f\u56e0\u4f24\u65e0\u6cd5\u5de5\u4f5c\u9020\u6210\u7684\u6536\u5165\u635f\u5931\uff0c\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u6700\u9ad8\u8d54\u507f\u989d\u4e3a\u6bcf\u5468 $100\uff0c\u603b\u8ba1 $5,200\u3002.<\/li>\n\n\n\n<li><strong>\u57fa\u672c\u670d\u52a1.<\/strong> 12 \u6bcf\u5929\u7684\u65e5\u5e38\u4efb\u52a1\uff0c\u5982\u6e05\u6d01\u6216\u80b2\u513f\uff0c\u6700\u591a\u53ef\u62a5\u9500 $\u3002.<\/li>\n\n\n\n<li><strong>\u6b7b\u4ea1\u548c\u4e27\u846c\u8865\u52a9\u91d1\u3002.<\/strong> \u5982\u679c\u53d1\u751f\u4e8b\u6545\u5bfc\u81f4\u6b7b\u4ea1\uff0c\u53ef\u80fd\u6709\u4ee5\u4e0b\u798f\u5229\uff0c\u4e27\u846c\u8d39\u7528\u6700\u9ad8\u53ef\u8fbe$1,000\uff0c\u5e76\u5411\u5e78\u5b58\u7684\u5bb6\u5ead\u6210\u5458\u652f\u4ed8\u989d\u5916\u798f\u5229\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u798f\u5229\u7531\u60a8\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u6216\u4fdd\u969c\u60a8\u7684\u4fdd\u5355\u652f\u4ed8\uff0c\u4f8b\u5982\u5bb6\u5ead\u6210\u5458\u7684\u4fdd\u5355\u3002\u4e2a\u4eba\u4e8b\u6545\u9669\u65e8\u5728\u786e\u4fdd\u60a8\u80fd\u7acb\u5373\u83b7\u5f97\u6cbb\u7597\uff0c\u800c\u65e0\u9700\u7b49\u5f85\u8d23\u4efb\u8c03\u67e5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u5728\u7f51\u7ea6\u8f66\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u786e\u5b9a\u4e2a\u4eba\u4fdd\u9669\uff08PIP\uff09\u7684\u9002\u7528\u6027\u5c31\u6ca1\u90a3\u4e48\u76f4\u63a5\u4e86\u3002\u4f60\u53ef\u80fd\u9700\u8981\u5904\u7406\u4f60\u4e2a\u4eba\u7684\u4fdd\u5355\u3001\u7f51\u7ea6\u8f66\u53f8\u673a\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u4ee5\u53caUber\u6216Lyft\u7684\u5546\u4e1a\u4fdd\u9669\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u4e86\u89e3\u65b0\u6cfd\u897f\u5dde\u4fdd\u9669\u6cd5\u8d4b\u4e88\u4f60\u7684\u6743\u5229\u5982\u6b64\u91cd\u8981\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7f51\u7ea6\u8f66\u4e8b\u6545\u4e2d\u7684\u4e2a\u4eba\u4f24\u5bb3\u9632\u62a4 (PIP) \u662f\u5982\u4f55\u8fd0\u4f5c\u7684\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u65b0\u6cfd\u897f\u5dde\u7684\u666e\u901a\u8f66\u7978\u4e2d\uff0c\u4e2a\u4eba\u8d54\u507f\u9669\uff08PIP\uff09\u798f\u5229\u6765\u81ea\u60a8\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\u3002\u7136\u800c\uff0c\u62fc\u8f66\u4e8b\u6545\u5e76\u975e\u666e\u901a\u4e8b\u6545\u3002\u5b83\u4eec\u6d89\u53ca\u5546\u4e1a\u6d3b\u52a8\uff0c\u5728\u65b0\u6cfd\u897f\u5dde\u6709\u4e0d\u540c\u7684\u4f18\u6b65\u4fdd\u9669\u6cd5\u5f8b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u7ebd\u7ea6\u5dde\uff0cUber \u548c Lyft \u7684\u4e2a\u4eba\u610f\u5916\u4f24\u5bb3\u4fdd\u9669 (PIP) \u7684\u5de5\u4f5c\u65b9\u5f0f\u53d6\u51b3\u4e8e\u60a8\u5728\u4e8b\u6545\u4e2d\u7684\u89d2\u8272\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u60a8\u662f\u7f51\u7ea6\u8f66\u4e58\u5ba2\u3002.<\/strong> \u60a8\u901a\u5e38\u5148\u4f7f\u7528\u60a8\u81ea\u5df1\u7684\u4e2a\u4eba\u4f24\u5bb3\u4fdd\u62a4\uff08PIP\uff09\u4fdd\u9669\u3002\u5982\u679c\u60a8\u6ca1\u6709\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\uff0c\u90a3\u4e48\u53f8\u673a\u7684\u4e2a\u4eba\u4f24\u5bb3\u4fdd\u62a4\uff08PIP\uff09\uff08\u5982\u679c\u53ef\u7528\uff09\u6216\u8005\u4f18\u6b65\uff08Uber\uff09\u6216\u6ef4\u6ef4\uff08Lyft\uff09\u7684\u4fdd\u9669\u53ef\u80fd\u4f1a\u9002\u7528\u3002.\u00a0<\/li>\n\n\n\n<li><strong>\u6211\u66fe\u662f\u4e00\u540d\u7f51\u7ea6\u8f66\u53f8\u673a\u3002.<\/strong> \u60a8\u7684\u4e2a\u4eba PIP \u4fdd\u9669\u662f\u4e3b\u8981\u7684 <em>\u53ea\u6709\u5728<\/em> \u5e94\u7528\u7a0b\u5e8f\u5df2\u5173\u95ed\u3002\u5982\u679c\u5e94\u7528\u7a0b\u5e8f\u5df2\u6253\u5f00\uff0c\u5219\u53d6\u51b3\u4e8e\u5e94\u7528\u7a0b\u5e8f\u7684\u72b6\u6001\uff0c\u7f51\u7ea6\u8f66\u516c\u53f8\u7684\u4fdd\u9669\u53ef\u80fd\u4f1a\u4e3a\u60a8\u63d0\u4f9b\u4fdd\u969c\u3002.<\/li>\n\n\n\n<li><strong>\u60a8\u662f\u7b2c\u4e09\u65b9\u9a7e\u9a76\u5458\u6216\u884c\u4eba\u3002.<\/strong> \u60a8\u81ea\u5df1\u7684 PIP \u4fdd\u9669\u5c06\u9996\u5148\u8d54\u4ed8\u3002\u4f46\u662f\uff0c\u60a8\u4e5f\u53ef\u80fd\u5bf9\u7f51\u7ea6\u8f66\u516c\u53f8\u6216\u53f8\u673a\u63d0\u51fa\u7d22\u8d54\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u8c01\u6709\u8fc7\u9519\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7531\u4e8e\u8fd9\u4e9b\u8986\u76d6\u5c42\u53ef\u80fd\u96be\u4ee5\u7406\u89e3\uff0c\u56e0\u6b64\u8bf7\u54a8\u8be2\u7ecf\u9a8c\u4e30\u5bcc\u7684 <a href=\"https:\/\/www.njnylawyers.com\/zh\/new-jersey-uber-lyft-accident-lawyers\/\">\u65b0\u6cfd\u897f\u5dde\u5171\u4eab\u51fa\u884c\u4e8b\u6545\u5f8b\u5e08<\/a> \u81f3\u5173\u91cd\u8981\u3002\u60a8\u7684\u5f8b\u5e08\u53ef\u4ee5\u786e\u5b9a\u9002\u7528\u54ea\u9879\u4fdd\u9669\uff0c\u5e2e\u52a9\u60a8\u6700\u5927\u9650\u5ea6\u5730\u5229\u7528\u4e2a\u4eba\u8d22\u4ea7\u9669\u798f\u5229\uff0c\u5e76\u5728\u60a8\u7684\u652f\u51fa\u8d85\u8fc7\u4e2a\u4eba\u8d22\u4ea7\u9669\u9650\u989d\u65f6\u5bfb\u6c42\u8fdb\u4e00\u6b65\u8d54\u507f\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65b0\u6cfd\u897f\u5dde\u4f18\u6b65\u548cLyft\u7684\u4eba\u8eab\u4f24\u5bb3\u4fdd\u62a4\uff08PIP\uff09\u627f\u4fdd\u8303\u56f4\uff1a\u4f55\u65f6\u4ee5\u53ca\u5982\u4f55\u9002\u7528<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uber \u548c Lyft \u63d0\u4f9b <a href=\"https:\/\/lis.njleg.state.nj.us\/nxt\/gateway.dll\/statutes\/1\/32373\/33671?f=templates$fn=document-frameset.htm$q=%5Brank,100%3A%5Bdomain%3A39%3A5H-10%5D%20%5Bsum%3A39%3A5H-10%5D%20%5D%20$x=server$3.0#LPHit1\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fdd\u9669\u8d54\u4ed8<\/a> \u5305\u62ec\u533b\u7597\u798f\u5229\uff0c\u4f46\u91d1\u989d\u548c\u53ef\u7528\u6027\u53d6\u51b3\u4e8e\u4e8b\u6545\u53d1\u751f\u65f6\u7f51\u7ea6\u8f66\u53f8\u673a\u7684\u5e94\u7528\u72b6\u6001\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5e94\u7528\u5df2\u5173\u95ed\u3002.<\/strong> \u5982\u679c\u7f51\u7ea6\u8f66\u53f8\u673a\u672a\u767b\u5f55\u5e94\u7528\uff0c\u5219\u9002\u7528\u5176\u4e2a\u4eba\u6c7d\u8f66\u4fdd\u9669\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0cUber \u6216 Lyft \u5747\u4e0d\u8d1f\u8d23\uff0c\u53f8\u673a\u7684\u4e2a\u4eba PIP \u548c\u8d23\u4efb\u9669\u5c06\u6309\u6b63\u5e38\u4e8b\u6545\u5904\u7406\u3002.<\/li>\n\n\n\n<li><strong>\u5e94\u7528\u5f00\u542f\uff0c\u65e0\u4e58\u5ba2\u3002.<\/strong> \u5982\u679c\u53f8\u673a\u5df2\u767b\u5f55\u5e94\u7528\u7a0b\u5e8f\u5e76\u6b63\u5728\u7b49\u5f85\u4e58\u8f66\u8bf7\u6c42\uff0c\u65b0\u6cfd\u897f\u5dde\u6cd5\u5f8b\u8981\u6c42 Uber \u548c Lyft \u63d0\u4f9b\uff081\uff09$\u6bcf\u4eba 50,000 \u7f8e\u5143\u7684\u8eab\u4f53\u4f24\u5bb3\u8d23\u4efb\u9669\u3001\uff082\uff09$\u6bcf\u8d77\u4e8b\u6545 100,000 \u7f8e\u5143\uff0c\u4ee5\u53ca\uff083\uff09$25,000 \u7f8e\u5143\u7684\u8d22\u4ea7\u635f\u5931\u9669\u3002.<\/li>\n\n\n\n<li><strong>\u884c\u7a0b\u5df2\u63a5\u53d7\u6216\u4e58\u5ba2\u5df2\u4e0a\u8f66\u3002.<\/strong> \u53f8\u673a\u63a5\u53d7\u884c\u7a0b\u6216\u8f66\u5185\u6709\u4e58\u5ba2\u540e\uff0c\u4fdd\u9669\u989d\u5ea6\u5c06\u63d0\u9ad8\u81f3\uff081\uff09$150 \u4e07\u7f8e\u5143\u7684\u7b2c\u4e09\u65b9\u8d23\u4efb\u9669\u3001\uff082\uff09$10,000 \u7f8e\u5143\u7684\u533b\u7597\u8d39\u7528 (MedPay) \u4fdd\u9669\u4ee5\u53ca\uff083\uff09$150 \u4e07\u7f8e\u5143\u7684 <a href=\"https:\/\/www.njnylawyers.com\/zh\/blog\/rideshare-accidents-involving-uninsured-drivers\/\">\u65e0\u4fdd\u9669\/\u4fdd\u9669\u4e0d\u8db3\u7684\u9a7e\u8f66\u8005\u9669<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u4fdd\u9669\u7ea7\u522b\u65e8\u5728\u4fdd\u62a4\u6240\u6709\u76f8\u5173\u4eba\u5458\uff0c\u4f46\u8fd9\u5e76\u4e0d\u610f\u5473\u7740\u4fdd\u9669\u516c\u53f8\u4f1a\u8f7b\u6613\u8ba9\u4f60\u8fc7\u5173\u3002\u8058\u8bf7\u4e00\u4f4d\u4e86\u89e3\u8fd9\u4e9b\u89c4\u5219\u7684\u5f8b\u5e08\u53ef\u4ee5\u5e2e\u52a9\u4f60\u907f\u514d\u9519\u8bef\u5e76\u4fdd\u62a4\u4f60\u7684\u7d22\u8d54\u3002.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5728\u65b0\u6cfd\u897f\u5dde\u9a7e\u9a6d\u4f18\u6b65\u4fdd\u9669\uff1f\u8ba9 Glugeth &amp; Pierguidi, P.C. \u52a9\u60a8\u524d\u884c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7406\u89e3\u65b0\u6cfd\u897f\u5dde\u7684\u62fc\u8f66\u4e8b\u6545\u4e2a\u4eba\u53d7\u4f24\u4fdd\u62a4\uff08PIP\uff09\u9669\u5e76\u975e\u6613\u4e8b\u3002\u5728\u76f8\u4e92\u53e0\u52a0\u7684\u4fdd\u9669\u653f\u7b56\u3001\u5e94\u7528\u7a0b\u5e8f\u72b6\u6001\u548c\u4e0d\u660e\u786e\u7684\u7406\u8d54\u6d41\u7a0b\u4e4b\u95f4\uff0c\u5373\u4f7f\u662f\u7b80\u5355\u7684\u4f24\u5bb3\u4e5f\u53ef\u80fd\u53d8\u6210\u590d\u6742\u7684\u6cd5\u5f8b\u96be\u9898\u3002\u60a8\u73b0\u5728\u505a\u51fa\u7684\u51b3\u5b9a\u4f1a\u5f71\u54cd\u60a8\u957f\u671f\u7684\u7ecf\u6d4e\u590d\u82cf\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 Glugeth &amp; Pierguidi, P.C.\uff0c\u6211\u4eec\u7684\u5f8b\u5e08\u4e3a\u53d7\u4f24\u7684\u5ba2\u6237\u4e89\u53d6\u5230\u4e86\u5de8\u989d\u8d54\u507f\uff0c\u5e76\u4ee5\u5728\u5fc5\u8981\u65f6\u5c06\u68d8\u624b\u7684\u6848\u4ef6\u63d0\u4ea4\u6cd5\u5ead\u5ba1\u7406\u800c\u95fb\u540d\u3002\u6211\u4eec\u63d0\u4f9b\u4e2a\u6027\u5316\u7684\u4e00\u5bf9\u4e00\u670d\u52a1\uff0c\u6211\u4eec\u7684\u56e2\u961f\u4f1a\u8c03\u67e5\u60a8\u6848\u4ef6\u7684\u6bcf\u4e00\u4e2a\u89d2\u5ea6\uff0c\u4ece\u8bc6\u522b\u6240\u6709\u53ef\u7528\u7684\u4fdd\u9669\u653f\u7b56\u5230\u54a8\u8be2\u80fd\u591f\u652f\u6301\u60a8\u635f\u5bb3\u8d54\u507f\u8981\u6c42\u7684\u533b\u7597\u4e13\u5bb6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u9886\u5148\u4e8e\u65b0\u6cfd\u897f\u5dde\u4e0d\u65ad\u53d8\u5316\u7684\u7f51\u7ea6\u8f66\u6cd5\u89c4\uff0c\u5e76\u4e86\u89e3\u4f18\u6b65\u548c\u6ef4\u6ef4\u4fdd\u9669\u516c\u53f8\u7684\u8fd0\u4f5c\u65b9\u5f0f\u3002. <a href=\"https:\/\/www.njnylawyers.com\/zh\/about\/\">\u6211\u4eec\u516c\u53f8<\/a> \u5728\u7f8e\u56fd\u65b0\u6cfd\u897f\u5dde\u548c\u7ebd\u7ea6\u5dde\u5747\u8bbe\u6709\u529e\u4e8b\u5904\uff0c\u6211\u4eec\u5168\u5929 24 \u5c0f\u65f6\u63d0\u4f9b\u670d\u52a1\uff0c\u968f\u65f6\u89e3\u7b54\u60a8\u7684\u7591\u95ee\u6216\u5b89\u6392\u514d\u8d39\u54a8\u8be2\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8981\u8ba9\u4fdd\u9669\u7684\u56f0\u60d1\u963b\u788d\u60a8\u83b7\u5f97\u5e94\u6709\u7684\u62a4\u7406\u548c\u8d54\u507f\u3002\u5982\u679c\u60a8\u662f\u7f51\u7ea6\u8f66\u4e58\u5ba2\u3001\u53f8\u673a\u6216\u7b2c\u4e09\u65b9\uff0c\u5728\u4e8b\u6545\u4e2d\u53d7\u4f24\uff0c, <a href=\"https:\/\/www.njnylawyers.com\/zh\/contact\/\">\u8054\u7cfb Glugeth &amp; Pierguidi, P.C.<\/a> \u4eca\u5929\uff0c\u8ba9\u6211\u4eec\u4e3a\u5e94\u5f97\u7684\u6210\u679c\u800c\u6218\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>If you were hurt in a rideshare accident, figuring out who pays for your medical treatment is often the most stressful part of recovery. New Jersey\u2019s no-fault laws and Personal Injury Protection (PIP) coverage can help, but when Uber or Lyft is involved, the rules become a lot more complicated. Understanding how rideshare accident claims and PIP coverage work is essential to protecting your rights. Whether you were a passenger, rideshare driver, or someone hit by an Uber or Lyft vehicle, the laws that apply may determine what benefits you\u2019re eligible for and whether you\u2019ll face medical debt later. At Glugeth &amp; Pierguidi, P.C., we\u2019ve helped countless injured clients across New Jersey and New York hold rideshare companies accountable. With over three decades of combined legal experience, we understand how to deal with personal injury protection coverage in rideshare accidents, insurance delays, and fault disputes. If you\u2019re unsure what your next steps should be, we\u2019re here to walk you through it and fight for the coverage you\u2019re entitled to. What Is PIP Coverage and How Does It Work in NJ?&nbsp; Personal Injury Protection (PIP) is a type of insurance required in New Jersey. It covers your medical expenses and other economic losses resulting from a crash, regardless of who caused the accident. Common losses covered under a standard PIP policy include: These benefits are paid by your own insurance company or by a policy that covers you, like a household member\u2019s. PIP is designed to ensure immediate access to treatment without waiting for a liability investigation. However, after a rideshare accident, determining how PIP coverage applies is far less straightforward. You may be dealing with your personal policy, the rideshare driver\u2019s insurer, and Uber or Lyft\u2019s commercial coverage. That\u2019s why understanding your rights under New Jersey\u2019s insurance laws is so important. How Does Personal Injury Protection in Rideshare Accidents Work? In a standard New Jersey car accident, PIP benefits come from your own auto policy. However, rideshare accidents aren\u2019t standard. They involve commercial activity, and there are different Uber insurance laws in New Jersey. Here\u2019s how Uber and Lyft PIP coverage in NJ works, depending on your role in the accident: Because these layers of coverage can be complex to navigate, consulting with an experienced New Jersey rideshare accident lawyer is crucial. Your attorney can identify which policy applies, help maximize your PIP benefits, and pursue further compensation if your expenses exceed the PIP limits. Uber and Lyft PIP Coverage in NJ: When and How It Applies Uber and Lyft provide insurance coverage that includes medical benefits, but the amount and availability depend on the rideshare driver\u2019s app status at the time of the crash. These insurance tiers are designed to protect everyone involved, but that doesn\u2019t mean insurance companies will make it easy for you. Having an attorney who understands these rules can help you avoid mistakes and protect your claim.&nbsp; Navigating Uber Insurance in New Jersey? Let Glugeth &amp; Pierguidi, P.C. Help You Move Forward Understanding rideshare accident PIP coverage in New Jersey isn\u2019t easy. Between overlapping insurance policies, app statuses, and unclear claims processes, even simple injuries can turn into complex legal puzzles. The decisions you make now can affect your long-term financial recovery. At Glugeth &amp; Pierguidi, P.C., our attorneys have secured significant recoveries for injured clients and are known for taking tough cases to trial when necessary. We offer personal, one-on-one service, and our team investigates every angle of your case, from identifying all available insurance policies to consulting medical experts who can support your claim for damages. We stay ahead of evolving rideshare regulations in New Jersey and understand how Uber and Lyft insurers operate. Our firm has offices in both New Jersey and New York, and we\u2019re available 24\/7 to respond to your questions or schedule a free consultation. Don\u2019t let insurance confusion stand in the way of getting the care and compensation you deserve. If you were hurt as a rideshare passenger, driver, or third party, contact Glugeth &amp; Pierguidi, P.C. today and let us fight for the outcome you deserve.<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_ai_research_index":"1","footnotes":""},"categories":[16],"tags":[],"class_list":["post-1661","post","type-post","status-publish","format-standard","hentry","category-motor-vehicle-accidents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rideshare Accident PIP Coverage in New Jersey Explained<\/title>\n<meta name=\"description\" content=\"Learn how rideshare accident PIP coverage works in New Jersey. 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