Who Pays After an Uber or Lyft Accident in NJ or NY?

Understanding Liability in Rideshare Accidents

Accidents involving rideshare services like Uber or Lyft can raise complex questions about who is responsible for damages. Various parties could potentially be held liable, including the rideshare driver, other drivers involved, and even the rideshare company, depending on the circumstances of the accident.

Insurance Coverage for Rideshare Accidents

Rideshare companies such as Uber and Lyft provide insurance coverage for their drivers, but the coverage varies depending on the driver's status at the time of the accident. There are generally three periods of rideshare driving: 1. **Period 1:** When the rideshare app is on, but the driver has not accepted a ride yet. 2. **Period 2:** When the driver is en route to pick up a passenger. 3. **Period 3:** When the passenger is in the car. During Period 1, the driver’s personal insurance is the primary coverage, and the rideshare company's contingent liability coverage might apply if the personal policy doesn't cover an accident. In Periods 2 and 3, Uber and Lyft typically provide higher liability coverage, which can cover both the driver and passengers.

What Passengers Should Do After an Accident

If you're injured as a passenger in an Uber or Lyft, it’s crucial to gather evidence and document the accident. This includes taking photographs, noting the rideshare driver’s information, and collecting details from witnesses if possible. Seeking medical attention immediately, even for minor injuries, is essential both for health reasons and to support any potential insurance claims.

Filing a Claim After an Uber or Lyft Accident

Depending on the specifics of the accident, claims can be made against the rideshare company’s insurance, the rideshare driver’s personal insurance, or third-party drivers involved in the accident. It's often beneficial to consult with a legal professional who is experienced in handling rideshare accident cases in NJ and NY to ensure your rights are protected, and to navigate the complexities of insurance claims.

Seeking Legal Assistance

Given the intricate nature of insurance policies and liability issues in rideshare accidents, legal guidance is invaluable. An experienced attorney can help determine the best course of action, whether it involves pursuing a claim with Uber or Lyft, negotiating settlements with insurance companies, or potentially taking legal action to recover damages.