Uber and Lyft Accident Claims in New Jersey

While a rideshare (TNC) driver is logged on and available but not providing a ride, primary auto liability coverage of at least $50,000 per person and $100,000 per incident for death or bodily injury and $25,000 for property damage is required, plus personal injury protection (PIP) and uninsured/underinsured motorist coverage as required by law. While providing a prearranged ride, required coverage is at least $1,500,000 primary liability for death, bodily injury and property damage, at least $10,000 in medical payments coverage for the driver, and at least $1,500,000 in uninsured/underinsured motorist coverage. Coverage may come from the driver, the company or both, and the company's insurance must pay from the first dollar if the driver's coverage lapses.

New Jersey is a no-fault (choice) state. Standard liability minimums for policies issued or renewed on or after January 1, 2026 are $35,000 per person and $70,000 per accident for bodily injury (they were $25,000/$50,000 from 2023 through 2025), and $25,000 for property damage. A low-cost basic or special policy may be used instead. Standard policies must include personal injury protection (PIP) medical benefits of up to $250,000 per person regardless of fault. Drivers choose a tort option; under the "limitation on lawsuit" option, a person may sue for noneconomic loss only for death, dismemberment, significant disfigurement or scarring, displaced fractures, loss of a fetus, or a permanent injury.

Modified comparative negligence (51% bar). The injured person's negligence does not bar recovery if it was not greater than the negligence of the defendant (or the combined negligence of the defendants); damages are reduced by the injured person's percentage of negligence.

Two years. An action for injury to the person caused by the wrongful act, neglect or default of another must be filed within two years after the cause of action accrues.