Hurt in an Uber crash in New Jersey? Uber’s insurance pays up to $1.5 million when a ride is in progress and $50,000 per person / $100,000 per crash when the driver is waiting for a request (N.J.S.A. 39:5H-10). Passengers can claim pain and suffering without proving a permanent injury. The Grossman Law Firm handles the claim against Uber’s insurer, the driver and any other driver. Free case review. No fee unless we win. Call (732) 625-9494.
Key facts for Uber accident claims in NJ
- Up to $1.5 million in liability coverage, plus $1.5 million in uninsured and underinsured motorist coverage, while a ride is active.
- $50,000 per person, $100,000 per crash and $25,000 property damage while the driver is logged in and waiting.
- Uber cannot use New Jersey’s verbal threshold defense against riders on a prearranged trip (N.J.S.A. 39:5H-10(j)).
- Two years to file an injury lawsuit (N.J.S.A. 2A:14-2). Ninety days to give notice if a public vehicle or road defect is involved.
- Contingency fee. You pay nothing unless we recover money for you.

How does Uber’s insurance work in New Jersey?
Which policy pays depends on one thing: what the driver’s app was doing at the moment of the crash. New Jersey’s Transportation Network Company Act (N.J.S.A. 39:5H-1 and following) sets three tiers. The amounts below are the legal minimums Uber must carry in New Jersey.
| Driver’s app status | Liability coverage | Uninsured / underinsured (UM/UIM) | Medical |
|---|---|---|---|
| App off | Driver’s personal policy only. NJ minimum is $35,000 per person / $70,000 per crash for policies issued or renewed on or after Jan 1, 2026. | Driver’s personal policy | Driver’s personal PIP |
| App on, waiting for a request | $50,000 per person, $100,000 per crash, $25,000 property damage | As required under N.J.S.A. 17:28-1.1 | Primary PIP |
| On a trip (request accepted through drop-off) | $1,500,000 | $1,500,000 | $10,000 medical payments for the driver |
Two more rules matter. If the driver’s own coverage has lapsed or is too low, Uber’s insurer must pay from the first dollar and defend the claim (39:5H-10(d)). And Uber’s coverage does not wait for the driver’s personal insurer to deny the claim first (39:5H-10(e)). Insurers still argue about which tier applies. Proving the app status is usually the first fight in an Uber case.
Can I sue Uber if I was in an accident?
You can bring a claim against Uber’s insurance policy, the Uber driver, and any other driver who caused the crash. Suing Uber the company directly is harder. Uber treats its drivers as independent contractors, and the Uber app’s terms include an arbitration clause. In McGinty v. Uber Technologies (App. Div. 2024), a New Jersey court enforced that clause against a passenger. Most Uber injury cases in New Jersey are resolved with the insurers, in or out of court, without needing to sue Uber itself. Read more on our Uber arbitration page.
Who we help after an Uber crash
Uber passengers
You were in the back seat. You did nothing wrong. The $1.5 million policy applies to your injuries, and the verbal threshold cannot be used against you. If another driver caused the crash, their policy is also on the hook. Injured Uber passengers: your rights in NJ.
Uber drivers
If you were driving for Uber and another motorist hit you, the $1.5 million UM/UIM coverage protects you on an active trip. Many personal auto policies exclude rideshare driving, so your own insurer may deny you. We sort out which policy owes you. Injured while driving for Uber.
Drivers and passengers in other cars
An Uber driver hit you. The coverage available depends on whether the app was on. After a crash, the driver must tell you on request whether they were logged in or on a trip (39:5H-10(h)). Ask at the scene. Hit by an Uber driver in NJ.
Pedestrians and cyclists
The same three coverage tiers apply to people outside the car. If you have no auto policy of your own, you may claim PIP medical benefits through the vehicle’s policy. Pedestrians and cyclists hit by rideshare vehicles.
What is an Uber accident case worth in New Jersey?
There is no average. Value depends on the injury, the treatment, lost income, how clear fault is, and which coverage tier applies. A $50,000 policy caps a waiting-period claim; a $1.5 million policy on an active trip does not. You can recover medical bills, lost wages, loss of future earning ability, and pain and suffering. See how we value these cases on our Uber settlements page.
One of our results: a $735,000 recovery for an Uber driver who was stopped at a red light in Monmouth County and rear-ended, suffering herniated discs and a torn ACL that required knee and neck surgery. Every case is different, and prior results do not guarantee a similar outcome. More accident results.
What should I do after an Uber accident?
- Get medical care the same day, even if you feel fine. Gaps in treatment are the insurer’s favorite argument.
- Screenshot the app. Open your Uber trip history and capture the trip details, driver name, route and time. This proves the coverage tier.
- Call the police. New Jersey requires a report for any crash with injury, death or more than $500 in damage (N.J.S.A. 39:4-130).
- Photograph everything. Cars, plates, the scene, your injuries, and the driver’s phone mount if you can.
- Get witness names and the other driver’s insurance card.
- Do not give a recorded statement to any insurer, and do not accept a quick offer, before you talk to a lawyer.
Full checklist: What to do after an Uber or Lyft accident in NJ.
Why hire The Grossman Law Firm for an Uber claim
Uber cases are not ordinary car accident cases. Three or more insurers may be involved, each pointing at the other. Trip data and dashcam footage can be gone in weeks. We send preservation letters to Uber and the insurers right away, pin down the app status, and build the claim against every policy that applies. Scott D. Grossman has practiced New Jersey personal injury law since 1997 and has been named to Super Lawyers from 2022 to 2025. The firm has 12 offices across New Jersey and handles rideshare cases statewide.
There is no fee unless we recover money for you. Call (732) 625-9494 or use the form on this page. Se habla español.
Sources: N.J.S.A. 39:5H-10 · NJ DOBI Bulletin 25-06 (2026 auto minimums) · N.J.S.A. 2A:14-2 · N.J.S.A. 39:4-130 · N.J.S.A. 59:8-8 · McGinty v. Uber Technologies, Inc. (N.J. App. Div. 2024).
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Attorney Advertising. Prior results do not guarantee a similar outcome. This website is not affiliated with, endorsed by, or sponsored by Uber Technologies, Inc. or Lyft, Inc. Contacting us does not create an attorney-client relationship.

