What to Do if Your Rideshare Accident Claim is Denied in New Jersey

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When a rideshare accident claim is denied, it can feel like an uphill battle. Whether you were a passenger, driver, or another motorist involved in an accident with a rideshare vehicle, understanding the reasons for denial and the steps to appeal is crucial. Denial doesn’t mean the end of your case—you still have options to fight for the compensation you deserve. In this comprehensive guide, we’ll discuss common reasons for denial, steps to appeal, legal remedies, and New Jersey’s laws governing rideshare insurance.

 

Common Reasons for Rideshare Accident Claim Denials

Insufficient Evidence

Insurance companies require substantial proof to validate a claim. If your rideshare accident claim was denied, it’s often due to insufficient evidence showing how the accident occurred or who was at fault. Lack of critical documentation like:

• Photos of the accident scene,
• Witness statements,
• Medical records, or
• A detailed police report
  can weaken your case. Without these, insurers may argue that your claim lacks credibility.

Insurance Policy Limitations

Rideshare insurance policies vary depending on the driver’s activity during the accident. For example:

1. Logged Off the App: The driver’s personal insurance applies, which might exclude rideshare-related accidents.
2. Logged In But Waiting for a Ride Request: Limited liability coverage applies, often less than the coverage while transporting passengers.
3. En Route or During a Ride: Comprehensive coverage, including liability and uninsured motorist protection, should apply.

Claims might be denied if the accident occurred during a period where coverage limits didn’t apply, or if policy exclusions were in effect.

Disputes Over Fault

Even with comprehensive evidence, insurance companies might deny a claim by arguing over fault. They may:

1. Claim the rideshare driver wasn’t responsible,
2. Shift blame to another motorist,
3. Suggest you contributed to the accident, or
4. Dispute the severity of your injuries in relation to the accident.

Fault disputes often require additional legal or expert input to resolve.

 

Steps to Take After a Denied Claim

Step 1: Understand the Reason for Denial
Carefully review the denial letter issued by the insurer. It will typically outline the specific reasons for denial, such as policy exclusions, evidence gaps, or fault disputes. Understanding the insurer’s reasoning helps you identify what needs to be addressed.

Step 2: Collect Additional Evidence
After understanding the denial, focus on strengthening your case with more evidence. Key types of evidence include:

• Accident Scene Photos: Show vehicle damage, skid marks, and road conditions.
• Witness Testimony: Collect contact information and statements from bystanders.
• Medical Records: Provide proof of injuries and treatments received.
• Repair Invoices: Document the cost of fixing your vehicle or other property damage.
  Consider hiring an expert, such as an accident reconstruction specialist, to provide additional analysis if needed.

Step 3: Consult Your Insurance Policy
Review both the rideshare company’s policy and your personal auto insurance policy. Policies can be complex, but understanding the fine print—like exclusions, limits, and deductibles—will clarify what is covered.

 

Appealing a Denied Rideshare Accident Claim in New Jersey

The Appeal Process

If you believe your claim was unfairly denied, the next step is to file an appeal. An appeal typically involves:

1. Written Explanation: Submit a letter to the insurer explaining why you believe the denial was unjustified.
2. Supporting Evidence: Provide any additional documentation that addresses the insurer’s concerns.
3. Persistence: Insurers may require multiple rounds of communication, so stay proactive in following up on your appeal.

Required Documentation for Appeals

Make sure your appeal is supported by strong evidence. Essential documents include:

• Police reports with detailed accident narratives,
• Medical records and bills,
• Photographs of injuries and vehicle damage,
• Communications with the rideshare company, and
• Insurance policy documents.

Having a lawyer assist with your appeal can strengthen your case and prevent procedural mistakes.

 

Legal Options for Denied Claims

When to Consult a Lawyer

If your appeal doesn’t resolve the issue or if the insurer acts in bad faith—such as refusing to negotiate or providing vague denial reasons—it’s time to seek legal assistance. A personal injury attorney specializing in rideshare accidents can help.

How a Lawyer Can Help

Hiring a lawyer provides several advantages, including:

• Comprehensive Case Review: A lawyer will identify weaknesses in the insurer’s arguments.
• Expert Testimony: Your lawyer can bring in experts, like medical professionals or accident reconstructionists, to support your claim.
• Negotiation Skills: Lawyers are experienced in dealing with insurance adjusters and can push for fair compensation.
• Litigation Support: If necessary, your lawyer can file a lawsuit and represent you in court.

Most personal injury attorneys work on a contingency basis, meaning they only get paid if you win your case.

 

Understanding New Jersey Rideshare Insurance Laws

Minimum Insurance Requirements

New Jersey law mandates that rideshare drivers and companies carry specific insurance coverage:

• Logged In Without a Passenger: Liability coverage of up to $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage.
• En Route or Transporting a Passenger: Coverage increases to $1.5 million, which includes liability and uninsured/underinsured motorist protection.

Legal Protections for Rideshare Passengers

If you were a passenger during the accident, you are generally covered under the rideshare company’s policy. However, navigating claims can be tricky due to conflicting policies between the driver and the rideshare company.

 

Frequently Asked Questions

Why was my claim denied?
Common reasons include insufficient evidence, coverage limits, or disputes over fault. Reviewing the denial letter can clarify the specific reason in your case.

Can I sue Uber or Lyft for denying my claim?
Yes, in certain cases. If the denial was based on bad faith practices or if the rideshare company’s insurer failed to uphold their coverage obligations, you may have grounds for legal action.

How long do I have to file an appeal?
Deadlines vary by insurer but are typically 30–60 days from the date of the denial letter. Act quickly to avoid missing your opportunity to appeal.

 

Contact The Epstein Law Firm, P.A., Today

A denied rideshare accident claim doesn’t have to be the end of the road. If you’re facing challenges with a denied claim in New Jersey, consulting an experienced personal injury lawyer can make all the difference. They’ll help you navigate the appeals process, provide expert legal advice, and fight to secure the compensation you deserve.

Take action now—contact The Epstein Law Firm, P.A., for a free consultation and start reclaiming your rights today.