Contrary to popular belief, a lack of insurance will not prevent you from seeking compensation for your damages after a rideshare accident in New Jersey. The rules governing these complex cases can be very confusing, and navigating the claims process against major companies can be overwhelming. Connecting with our determined Union County Uber & Lyft Accident Lawyers after a rideshare accident is vital to ensure your rights are safeguarded and you recover the maximum compensation you’re entitled to.
How Does Rideshare Insurance Coverage Work?
Uber/Lyft driver liability insurance typically consists of three main tiers, with the specific terms depending on the driver’s status during the accident.
If the driver is off-duty, their personal auto insurance policy is generally responsible for injuries and damages. If the driver is logged in and awaiting a ride request (no passengers), the ridesharing company will provide contingent coverage. This normally includes a $1,000 limit for injury liability per accident, $25,000 for property damage, and up to $50,000 per injured person.
If the rideshare driver is transporting a passenger, both the driver and the passenger will be covered by the ridesharing company’s primary liability policy. This policy offers up to $1,000,000 for uninsured or underinsured motorist coverage. Victims should contact the ridesharing company’s insurer directly to determine if coverage is available for damages or injuries that exceed the limits of personal insurance.
Can I Recover Compensation If I Was Injured by an Uninsured or Underinsured Rideshare Driver?
Yes, it’s possible to recover compensation even if a rideshare driver is not insured or lacks adequate insurance coverage. Even if the rideshare driver’s personal auto insurance coverage is insufficient, other remedies may be available.
Uninsured motorist (UM) coverage can provide compensation for collisions with drivers who have no insurance. This coverage may be accessible through your own auto insurance policy, and cna also be applicable through rideshare coverage in certain situations.
Underinsured motorist (UIM) coverage takes effect when the at-fault driver’s insurance limits are too low; it helps cover the outstanding losses and requires coordinating benefits between policies.
What Steps Should I Take?
If you’ve been injured in a rideshare accident, it’s crucial to take the right steps to protect your claim. Your top priority should be your health. Seek immediate medical attention, even if you feel fine. This will create essential documentation linking your injuries to the incident.
If you’re physically capable, you should take photos of the accident scene and any visible injuries. If anyone witnesses the incident, you should obtain their contact information. It’s also wise to document rideshare details like the trip receipt and app data.
At Lee Law Firm, LLC, we are prepared to guide you through this complex process and help maximize your recovery. Connect with our firm today to schedule a consultation.
