Steps to Take if Your Uber or Lyft Driver Causes an Accident in New Jersey

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Understanding What to Do and How to Protect Your Rights.

When your Uber or Lyft driver gets into an accident, it can be a disorienting experience, leaving you with injuries, insurance questions, and unexpected complications. If you’re feeling overwhelmed, know that this is a normal reaction to the unique uncertainties of rideshare accidents.

Here’s a simple guide on immediate actions and how to protect your rights.

What to Do Immediately After an Uber or Lyft Accident in New Jersey

Your safety and documentation are paramount after an accident. Taking the right steps early can significantly protect your legal and insurance claims.

1. Check for injuries and call 911: Always prioritize safety. If anyone is hurt—even if injuries appear minor—call 911. Medical records provide crucial documentation for potential legal and insurance claims, as some symptoms may not appear immediately.

2. Gather information and document the scene: Once it’s safe, collect essential details. This includes the driver’s name and contact information, license plate and vehicle details, screenshots from your rideshare app, and photos of the accident scene, vehicle damage, visible injuries, and road conditions. Comprehensive evidence is vital, as memories can fade.

3. Report the accident in the app: Both Uber and Lyft offer in-app reporting tools. Filing a report here ensures the company logs the incident and initiates their internal insurance process.

4. Avoid giving detailed statements to insurers (for now): Be extremely cautious with any statements, especially recorded ones. Insurance companies, including rideshare insurers, meticulously analyze every word. Consulting with an attorney first prevents you from inadvertently limiting your claim.

5. Contact a rideshare accident attorney: Early legal guidance can help you avoid common mistakes and allow you to focus on recovery while an expert handles claims, calls, and paperwork.

Who Is Responsible When Your Uber or Lyft Driver Causes an Accident?

Determining responsibility in rideshare accidents can be complex, as it hinges on the driver’s activity status:

• If the driver was not logged in: Their personal auto insurance policy is typically responsible for damages and injuries.
• If the driver was logged in but waiting for a request: Uber or Lyft provides limited contingent coverage: $50,000 per injured person, $100,000 per accident, and $25,000 for property damage.
• If you were already matched with a driver or riding: Uber or Lyft’s comprehensive policy offers up to $1 million in coverage for injuries and damages. This coverage may also apply if another driver caused the crash and they are uninsured or underinsured. For more details, see Uber and Lyft’s insurance policies for NJ accidents and how Uber compensates for accidents.
• When the rideshare company itself may be responsible: This is rare but possible, for instance, if the company approved a driver with a dangerous record or if their app’s technology contributed to a distracted driving incident. These situations often require in-depth investigation.

Filing a Claim After an Uber or Lyft Accident

The specific type of claim you file will depend on the unique circumstances of your accident. New Jersey operates under a no-fault insurance system, which impacts the claims process:

• New Jersey’s no-fault laws: Under this system, your own Personal Injury Protection (PIP) coverage typically pays for your initial medical bills, regardless of who was at fault.
• Pursuing additional compensation: If your injuries are serious or your medical expenses exceed your PIP coverage, you may then seek additional compensation from the rideshare insurer or the at-fault party. Navigating these complexities is where legal guidance becomes invaluable.

When to Hire a Lawyer After a Rideshare Accident

While not every accident requires legal representation, certain situations strongly warrant the expertise of an attorney. Rideshare companies and insurers are equipped to handle these cases daily, and you shouldn’t have to face them alone, especially while recovering.

• You suffered serious injuries.
• You are unsure which insurer is responsible for compensation.
• Your claims are being delayed, disputed, or denied.
• Medical bills are rapidly accumulating.
• Your ability to work or your daily life has been significantly impacted.

Frequently Asked Questions About Uber & Lyft Accidents in NJ

What are my rights if my Uber or Lyft driver crashes?

As a passenger, you are entitled to proper medical care and compensation for your injuries and damages. The specific insurance coverage depends on the driver’s status at the time of the accident, with significant coverage provided when a ride is active. Understanding your rights can be complex.

Who pays my medical bills after an Uber or Lyft accident in New Jersey?

New Jersey’s no-fault system means your own PIP policy is typically the primary payer for medical expenses. Subsequent coverage may come from the rideshare company’s insurance or the at-fault driver’s policy, particularly for severe injuries or costs exceeding PIP limits.

Can I sue the Uber or Lyft driver after an accident in New Jersey?

If the rideshare driver was negligent and their insurance, or the rideshare company’s policy, does not fully cover your damages, you have the right to pursue a personal injury lawsuit against the driver. This is typically done to recover all losses. You can also explore whether you can sue Uber and Lyft directly.

How do I report an Uber or Lyft accident?

Following these steps ensures proper documentation and protection of your rights from the outset. Early reporting through official channels is critical for initiating the claims process.

What if the Uber driver was at fault?

Understanding the driver’s status at the time of the accident is key to determining which insurance policy will provide coverage. This intricate system is why professional legal advice is often essential.

Talk to a New Jersey Rideshare Accident Lawyer

An Uber or Lyft accident can disrupt your life with stress, medical bills, and insurance complexities. You don’t have to face this challenge alone. The Epstein Law Firm specializes in helping injured passengers, drivers, and other motorists in New Jersey. We offer free consultations, providing clarity, guidance, and support without any upfront cost or pressure. Call us today or fill out our online form to get started and secure the compensation you deserve.