Ride-share services like Uber and Lyft have made transportation more convenient than ever. But as these services grow, so does the number of accidents involving ride-share drivers. If you're injured in a ride-share accident – whether as a passenger, pedestrian, or driver – you may be facing a confusing web of insurance policies and legal questions.
At Lipari & Deiter, we help clients across South Jersey understand their rights and fight for fair compensation after an Uber or Lyft accident. This guide breaks down what you need to know about liability, insurance coverage, and what steps to take after a ride-share crash in New Jersey.
Who’s Responsible in a Ride-Share Accident?
Determining who is liable for a ride-share accident depends on the driver’s status within the app at the time of the crash. Here's how it typically breaks down:
- Driver Not Logged In: If the Uber or Lyft driver is offline, their personal car insurance is the only policy that applies.
- Driver Logged In But Waiting for a Ride: In this case, limited coverage from the ride-share company may apply – typically up to $50,000 per person for bodily injury, in addition to the driver’s own policy.
- Driver En Route or Transporting a Passenger: After the driver accepts a ride request and until the passenger exits the vehicle, Uber and Lyft provide up to $1 million in liability coverage. This can also include protection for uninsured or underinsured motorists.
Because each accident is different, determining which policy applies can be tricky. That’s why it’s important to consult a personal injury attorney who can help evaluate the details and protect your claim.
Steps to Take After a Ride-Share Accident
Taking the right actions immediately after a crash can protect both your health and your legal rights. Here’s what to do:
1. Call 911 and Get Medical Help
Your safety comes first. Report the accident to the police and request medical assistance for anyone who may be injured. A police report is essential for your claim.
2. Document the Scene
Take photos of the vehicles, road conditions, license plates, and any visible injuries. Try to note whether the driver was using the ride-share app at the time. Get contact details for the driver, other parties involved, and any witnesses.
3. Seek Medical Care – Even If You Feel Okay
Some injuries take time to appear. Seeing a doctor ensures your condition is properly diagnosed and documented, which strengthens your claim later.
4. Report the Accident to Uber or Lyft
Use the app’s reporting feature to notify the ride-share company. This begins their internal claims process.
5. Talk to a Ride-Share Accident Lawyer
An experienced attorney can handle communications with insurers, determine which coverage applies, and fight for the compensation you deserve.
How Insurance Coverage Works in Ride-Share Accidents
Uber and Lyft accidents involve unique insurance layers. Here’s a simplified breakdown:
Ride-Share Company Coverage
Coverage depends on the driver’s status:
- App On, No Ride Accepted: Limited liability coverage may apply.
- En Route or Passenger Onboard: Up to $1 million in liability coverage is typically available.
Driver’s Personal Insurance
Standard car insurance often excludes commercial activity. Some drivers carry additional ride-share coverage, but not all do.
Other Drivers’ Insurance
If another vehicle caused the crash, their insurance may also come into play.
Sorting out which policy applies – and in what order – can be confusing. Ride-share companies and insurers may try to avoid liability. A lawyer can help hold the right parties accountable.
Challenges Victims Often Face
Ride-share accident claims can be more complicated than a typical car crash. Victims often encounter:
- Unclear Liability: With multiple parties involved, it can be difficult to determine who’s responsible.
- Insurance Disputes: Insurers may delay or deny valid claims, each arguing that someone else should pay.
- Proving Damages: You’ll need clear documentation of your injuries, lost wages, and other losses to recover full compensation.
Having legal guidance can make the difference between a low settlement and a fair recovery.
What Compensation Can You Recover?
If you’ve been injured in a ride-share accident, you may be entitled to compensation for:
- Medical Expenses: Emergency care, hospital stays, rehabilitation, and ongoing treatment.
- Lost Wages: Income lost during your recovery and any long-term impact on your earning ability.
- Pain and Suffering: Compensation for physical pain, emotional distress, and reduced quality of life.
- Property Damage: Repair or replacement of your vehicle and any personal belongings affected in the crash.
Each case is different, and the total value depends on the extent of your injuries and the impact on your life.
Example: A Typical Ride-Share Injury Case
Let’s say you’re a passenger in a Lyft when the driver is hit by another car. You suffer a fractured arm and miss a month of work. Lyft’s $1 million liability policy applies. Your attorney gathers medical records, employment documentation, and witness statements. After negotiations, you receive a settlement that covers your medical bills, lost wages, and pain and suffering, giving you the support you need to recover.
Why You Need a Lawyer for a Ride-Share Accident
Dealing with a ride-share accident on your own can feel overwhelming. Having an attorney by your side can help you:
- Investigate the Accident: Your legal team can gather evidence, interview witnesses, and determine fault.
- Handle Insurance Communications: We deal with the ride-share company and all insurance carriers so you don’t have to.
- Protect Your Rights in Court: If needed, we’ll represent you in litigation to fight for the compensation you deserve.
- Meet Legal Deadlines: We ensure all paperwork is filed correctly and on time.
At Lipari & Deiter, we’re committed to helping injury victims get the answers and support they need after a crash involving Uber or Lyft.
Injured in a Ride-Share Accident in New Jersey? Contact Lipari & Deiter Today
If you were hurt in an Uber or Lyft accident, don’t wait. Let Lipari & Deiter help you pursue the compensation you deserve. Our legal team understands the complexities of ride-share claims and is ready to protect your rights.
Call us today at 609.905.4701 or fill out our contact form for a free, confidential consultation. We proudly serve clients throughout Atlantic City, Pleasantville, Egg Harbor Township, Galloway, and surrounding South Jersey communities.
Disclaimer: This blog is for informational purposes only and does not create an attorney-client relationship. For legal advice related to your specific case, please contact Lipari & Deiter directly.