A rideshare crash can leave you injured and feeling uncertain about what to do next. You might be seeking medical care, managing your work responsibilities, and wondering who is liable for your financial and physical challenges.
Rideshare claims involve complex insurance policies. Coverage depends on whether or not the driver was logged in and waiting for a ride request or was actively on a trip. This detail can determine which insurance policy applies and the amount of coverage you can receive.
Our seasoned car wreck attorneys at Fredson Statmore Bitterman, LLC can use the evidence to tell the full story, not just the insurance company’s version of events. We offer free, confidential consultations and handle Uber/Lyft/rideshare accidents in Paramus on a contingency fee basis, so you do not pay us upfront. Contact us today to get started on your claim.
Understanding Rideshare Insurance Coverage
New Jersey has specific insurance rules for Transportation Network Company rides. When a driver logs in and becomes available to receive a ride request but is not providing a prearranged ride, the minimum required coverage limits include:
- $50,000 for death or bodily injury per person
- $100,000 for death or bodily injury per incident
- $25,000 for property damage
- Personal injury protection benefits and uninsured/underinsured motorist coverage as required under state law
When a driver is providing a prearranged ride, the minimum required limits increase to $1,500,000 in liability coverage for death, bodily injury, and property damage and $1,500,000 in uninsured/underinsured motorist coverage.
Even with these minimum requirements, insurers still dispute timing and which policy pays first. Saving your trip information after a Lyft or Uber crash in Paramus is an important part of gathering evidence. State law requires an electronic receipt after a ride, which can help confirm the time, distance, and points of origin and destination.
How Do We Build a Rideshare Injury Claim?
Ridesharing is a convenient way to get where you need to go, but if you have suffered injuries in a collision as a passenger, pedestrian, or driver of another vehicle, speaking with our Paramus lawyers can be beneficial. We can construct a claim around documents and evidence, not opinions. An attorney from our firm can help:
- Identify every insurance policy that may apply, including the rideshare coverage, the driver’s personal policy, and any other involved driver’s coverage
- Request the rideshare records for the ride, including trip data and the driver’s status in the app, so insurers do not sidestep the correct policy
- Review your available benefits and coverage options that may help pay medical bills and losses while your claim is pending
- Build a damages file that shows the full impact of your injury, including treatment, bills, time missed from work, and the ways your daily routine has changed
- Manage insurer communications and deadlines so insurers do not pressure you into guesswork or rush you into signing something that does not match your experience
You will receive small-firm attention from our team, backed by the resources to investigate and press for answers.
Statute of Limitations for Rideshare Injury Claims
Under N.J.S.A. 2A:14-2, claimants must file most personal injury lawsuits within two years after the cause of action accrues. Waiting can also make it harder to collect records and maintain witness cooperation. If you are concerned about deadlines, our Paramus attorneys can provide guidance following a rideshare crash.
Contact Our Paramus Rideshare Accident Lawyers for a Free Consultation
Uber/Lyft/rideshare accidents in Paramus can cause severe injuries. At Fredson Statmore Bitterman, LLC, we provide the personal attention of a small firm while still having the big-firm resources needed to investigate and prepare your case.
We can review the facts of your crash, explain which insurance coverage may apply, and work with insurance companies while you focus on your health. Call us today to schedule a free consultation with a rideshare accident attorney.
