In New Jersey, depending on the very specific facts of your Uber car accident, you could be covered by an insurance policy worth $1,500,000 – or by one worth just $15,000.
Officially, Uber isn’t a taxi or transportation company. It considers itself a “ridesharing” company, instead. That means it’s not always subject to the same rules as a taxi company usually would be. This includes the rules about insuring commercial vehicles.
Fortunately, Uber insures the cars its drivers operate. In fact, the company has announced that it secured $1,000,000 in coverage for all of the vehicles driving for Uber nationwide. In New Jersey, the policy limits are even higher, at $1,500,000.
However, that high level of commercial auto insurance coverage only kicks in at certain times. At other times – say, before the Uber driver has picked up a paying passenger – Uber’s commercial coverage levels can be much lower.
Then there are situations in which Uber argues that the driver’s personal auto insurance company is the one responsible for paying for the crash. Unfortunately, a number of personal auto insurance policies exclude coverage if the driver was using the vehicle for commercial gain.
This means that for your accident, Uber might deny responsibility. You might be left with only as much insurance coverage as the driver purchased on his or her personal policy. Even worse, that insurance carrier might also deny coverage, leaving you in some serious trouble.
Further complicating matters is the question of whether or not you have auto insurance of your own. New Jersey is a no-fault state. If you have a car, then your own auto insurance company will have to pay for your medical bills from the accident – and you will be stuck paying the deductible and copays. If you don’t drive and no one in your household has auto insurance, getting medical benefits becomes a lot more complicated.
One way you can simplify the complex insurance coverage situation is by taking your case to an experienced New Jersey Uber car accident lawyer. What happens with insurance coverage in an Uber car accident depends upon the very specific facts of your crash. A lawyer who has handled complex cases against companies like Uber in the past can find out if the insurance companies are denying claims improperly, and fight to get you the full amount of money you deserve.