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Guide · After a specific accident · New Jersey

Hurt in an Uber or Lyft crash in New Jersey: whose insurance pays?

Updated By Spencer, editorEvery fact cites a source

It depends on what the driver was doing. During a ride, from accepting it until the last rider gets out, New Jersey requires at least $1,500,000 in liability coverage and the same in uninsured and underinsured motorist coverage. While a driver waits for a ride, the minimum is $50,000 per person, plus PIP. Checked October 11, 2026.

Sources: N.J.S.A. 39:5H-10(b), (c); N.J.S.A. 39:5H-2

What's required, by phase

Logged on, waiting for a ride$50,000 per person

And $100,000 per incident for injuries, $25,000 for property, plus PIP.

During a ride$1,500,000 in liability

And at least $1,500,000 in uninsured and underinsured motorist coverage.

A ride starts when the driver accepts it and ends when the last rider gets out. The driver, the company, or both together must carry the coverage.

Source: N.J.S.A. 39:5H-10(b), (c); N.J.S.A. 39:5H-2

When it's worth asking a lawyer

  1. You were a passenger during a rideThe required coverage during a ride is $1,500,000, far above the usual minimum of $35,000 per person.Source: N.J.S.A. 39:5H-10(b), (c); N.J.S.A. 39:5H-2; P.L.2022, c.87 (N.J.S.A. 39:6A-3); N.J.S.A. 39:6A-3.1
  2. It's unclear whether the app was onWhich coverage applies depends on whether the driver was waiting or on a ride.Source: N.J.S.A. 39:5H-10(b), (c); N.J.S.A. 39:5H-2
  3. Your injury may be permanentWith the lawsuit limit, pain and suffering depends on whether the injury is one the law lists.Source: N.J.S.A. 39:6A-8(a); N.J.S.A. 39:6A-2(i); N.J.S.A. 39:6A-8.1(b)
  4. Your deadline is getting closeAn injury lawsuit generally must be filed within 2 years.Source: N.J.S.A. 2A:14-2(a)

Sources

General information, not legal advice. We don't know the facts of your claim. A lawyer can review them, and most injury lawyers offer a free consultation.

What to do next

Questions people ask

Whose insurance pays if I'm hurt in an Uber in New Jersey?

During a ride, New Jersey requires the driver, the company or both to carry at least $1,500,000 in liability coverage.

How much insurance does Uber or Lyft have in New Jersey?

The law requires at least $1,500,000 during a ride, and $50,000 per person while the driver waits for one.

When does a rideshare ride start for insurance in New Jersey?

When the driver accepts the ride request, and it ends when the last rider gets out.

What if the rideshare driver had no passenger?

If the driver was logged on and waiting for a ride, the minimum is $50,000 per person and $100,000 per incident for injuries, plus PIP.

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