Experienced Rideshare Accident Lawyer Fighting for Maximum Compensation
Been injured in an Uber accident in New Jersey? You need an attorney who understands rideshare insurance rules inside and out. At Grossman Law, Scott Grossman has spent over 20 years helping accident victims navigate complex insurance coverage systems. He knows exactly when Uber’s $1.5 million policy applies and how to get you the compensation you deserve.
Call (732) 625-9494 for your free consultation. No fee unless we win your case.
Understanding New Jersey’s Uber Accident Statistics
Rideshare accidents are more common than most people realize. According to the National Highway Traffic Safety Administration, traffic fatalities in 2024 decreased to 1.18 fatalities per 100 million vehicle miles traveled. However, between 2017 and 2018, Uber vehicles were involved in 97 fatal crashes resulting in 107 deaths.
New Jersey recorded over 270,000 motor vehicle crashes annually between 2016 and 2019, with an injury rate holding steady around 22%—a high-volume backdrop for Uber operations, according to the NJ DOH Motor Vehicle Deaths data.
More than 99.9% of Uber trips are completed without safety incidents, according to Uber’s official safety report. But when accidents do happen, the insurance coverage gets complicated fast.
New Jersey has one of the lowest percentages of rural crash deaths at just 10%, according to the Insurance Institute for Highway Safety, meaning most accidents happen in urban areas where rideshare services operate most frequently.
How Uber’s Complex Insurance Coverage Works in New Jersey
Uber accidents aren’t like regular crashes. The insurance coverage changes dramatically based on what the driver was doing when the accident happened. Under New Jersey law, rideshare companies must provide $1.5 million in liability coverage when passengers are in the vehicle, according to New Jersey TNC regulations.
When Uber’s $1.5 Million Insurance Applies
Full Coverage Situations:
- Driver has accepted your ride request and is traveling to pick you up
- You’re riding in the Uber vehicle to your destination
- Driver is dropping you off at your location
Coverage starts the moment the driver accepts your ride, even before you get in the car.
When Coverage Drops to Limited Amounts
Reduced Coverage Situations:
- Driver is logged into the Uber app but waiting for ride requests
- Driver hasn’t accepted a ride yet but is available to work
During this phase, New Jersey law requires at least $50,000 per person in bodily injury liability, $100,000 per accident in bodily injury liability, and $25,000 in property damage liability. The problem is this coverage amount is often insufficient for serious injuries.
When There’s No Uber Coverage At All
No Coverage Situations:
- Driver isn’t logged into the Uber app
- Driver is using the vehicle for personal reasons
- Driver was delivering food (Uber Eats doesn’t qualify for rideshare coverage)
This is crucial to understand. Under New Jersey law, food delivery accidents don’t get the same protection as passenger rides.
Common New Jersey Uber Accident Scenarios
Passenger Injured During Active Ride
You’re riding in an Uber when a distracted driver runs a red light and hits your vehicle. You suffer serious back injuries requiring surgery.
Your rights: Uber’s $1.5 million policy is active. You use your PIP coverage for initial medical bills, then pursue additional compensation through both the at-fault driver and Uber’s coverage.
Why you need us: Insurance companies will try to minimize your claim. We know how to pursue maximum compensation from all available sources.
Hit by Uber Driver En Route to Passenger
You’re driving through an intersection when an Uber driver, rushing to pick up a passenger, runs a stop sign and crashes into your car.
Your rights: The Uber driver’s $1.5 million policy covers your damages because they were en route to a pickup.
Why you need us: Uber may try to deny the driver was actually working. We know how to prove driver status through app data and GPS records.
Multi-Car Uber Accident
You’re riding in an Uber when it gets hit by one car, then immediately struck by another vehicle. You suffer traumatic brain injury.
Complex situation: Multiple insurance policies may apply, including Uber’s coverage and both drivers’ insurance.
Why expertise matters: We determine which policies apply and how to pursue maximum compensation from each source.
Recent Court Decisions Affecting Your Rights
The Arbitration Challenge
Recent New Jersey court decisions show Uber can force passengers into arbitration instead of jury trials. In McGinty v. Jia Wen Zheng (2024), the court ruled that Uber’s arbitration agreement was valid and prevented a lawsuit.
What this means: Depending on when you agreed to Uber’s terms, you might not be able to sue in court.
How we help: We analyze your user agreements and fight arbitration when legally possible.
The PIP Coverage Requirement
In Odunsi v. Cooney (2021), a New Jersey court ruled that Uber drivers must maintain proper PIP coverage on their personal vehicles. Without it, drivers can lose their right to compensation entirely.
How we help: We investigate all insurance coverage to find maximum compensation sources.
How We Investigate Uber Accidents
Immediate Evidence Collection
- Uber trip records: App screenshots showing driver status and trip details
- GPS data: Proving where the accident happened and driver route
- Driver background: Checking for prior violations or safety issues
- Vehicle maintenance: Ensuring Uber vehicle was properly maintained
Insurance Investigation
- Coverage verification: Confirming which phase of coverage applies
- Policy limits: Determining maximum available compensation
- Exclusion review: Checking for insurance coverage gaps
- Multiple policies: Identifying all applicable insurance sources
Technology Evidence
- Cell phone records: Proving driver distraction or app usage
- Vehicle data: Accessing electronic control module information
- Surveillance video: Obtaining footage from nearby cameras
- Uber app data: Subpoenaing detailed trip and driver information
Why Choose Scott Grossman for Your New Jersey Uber Accident Case
Proven Uber Accident Expertise
Attorney Scott Grossman has handled rideshare accident cases since companies like Uber began operating in New Jersey. He understands the evolution of rideshare law and stays current on court decisions that affect your rights.
Specific experience includes:
- Challenging arbitration clauses when legally possible
- Navigating complex multi-phase insurance coverage
- Investigating driver status and app data
- Handling cases involving serious injuries and wrongful death
We Know New Jersey TNC Insurance Law
Most lawyers don’t understand the three phases of Uber coverage or when each applies. We’ve studied New Jersey’s Transportation Network Company Safety and Regulatory Act and know exactly how it protects accident victims.
We Fight Insurance Company Tactics
Uber’s insurance company has teams of lawyers working to minimize your claim. They know the coverage rules and will use them against you. You need a lawyer who knows these rules just as well.
Common tactics we combat:
- Denying driver was actually working when accident occurred
- Claiming lower coverage phase applies to reduce payouts
- Forcing victims into arbitration instead of court trials
- Delaying claim processing hoping you’ll accept less money
Frequently Asked Questions
How much is my Uber accident case worth?
Case values depend on injury severity, medical expenses, lost wages, and pain and suffering. The $1.5 million coverage limit provides substantial protection for serious cases with permanent disabilities or significant medical treatment.
Can I sue Uber directly?
It depends on your situation and user agreements. Recent court decisions show some passengers must go through arbitration instead of court trials. We analyze your specific circumstances to determine your legal options.
How long do I have to file a claim?
New Jersey generally gives you two years to file a personal injury lawsuit. However, insurance claims should be reported immediately. Delays can hurt your case and give insurance companies reasons to deny claims.
Do I need a lawyer for an Uber accident?
Yes. Uber accidents involve complex insurance rules that most people don’t understand. Insurance companies have teams of lawyers protecting their interests. You need experienced representation to level the playing field.
Steps to Take After a New Jersey Uber Accident
At the Scene
- Call 911 – Get police and medical help
- Take screenshots of your Uber app showing trip details
- Get driver information – Name, insurance, and vehicle details
- Document everything – Photos of vehicles, injuries, and scene
- Talk to witnesses – Get contact information
- Don’t admit fault – Let the investigation determine cause
After Leaving the Scene
- Seek medical attention – Even if you feel fine initially
- Report to insurance – Notify your own insurance company
- Keep records – Save all medical bills and accident-related expenses
- Don’t give statements – Refer insurance companies to your lawyer
- Contact Grossman Law – Get experienced legal help quickly
Don’t rely on Uber’s insurance company to protect your interests. They work for Uber, not for you.
Contact New Jersey’s Top-Rated Uber Accident Attorney
Don’t let Uber’s insurance company take advantage of you. Get the experienced legal help you deserve.
Grossman Law has successfully recovered millions in compensation for New Jersey accident victims. Attorney Scott Grossman has spent over 20 years fighting for clients just like you and isn’t intimidated by corporate legal teams.
Call (732) 625-9494 now for your free Uber accident consultation.
What You Get:
- Free case evaluation with no obligation
- Detailed explanation of your rights and options
- Investigation of your Uber accident at no cost
- No legal fees unless we win your case
- 24/7 availability for accident victims
Our New Jersey Locations:
Freehold Office (Main): 495 Iron Bridge Road, Suite 4, Freehold, NJ 07728
Clifton Office: 1000 Clifton Ave. #203, Clifton, NJ 07013
East Brunswick Office: 197 New Jersey 18 #3000, East Brunswick, NJ 08816
Old Bridge Office: 8998 Route 18 #106, Old Bridge NJ, 08857
Sayreville Office: 190 Pulaski Ave Suite B, Sayreville, NJ 08872
Manahawkin Office: 1200 Route 72 W, Manahawkin, NJ 08050
Time is critical in Uber accident cases. Evidence disappears and insurance companies start building their defense immediately. Call now to protect your rights.