If you were injured in an Uber or Lyft accident in Union County, NJ, you’re probably wondering the same thing most people ask: who’s responsible for paying your medical bills, lost income, and other damages?
Rideshare accidents aren’t like typical car accidents. Liability depends on whether the driver was “on the app,” whether Uber or Lyft’s insurance applies, and what the other driver’s role was. These complexities are exactly why speaking with an experienced Uber and Lyft accident lawyer matters.
At The Law Office of Portnoi & Reed P.C., we’ve been protecting injured people in Union County for more than 30 years. We know how to untangle these insurance and liability issues so you can focus on recovery.
Who Can Be Held Responsible in an Uber or Lyft Accident?
Liability depends on the driver’s status and the circumstances of the crash:
- Rideshare driver at fault: If the Uber or Lyft driver caused the accident, their personal insurance or the rideshare company’s policy may apply.
- Another driver at fault: If another motorist caused the crash, their insurance is usually the first line of coverage.
- Uber or Lyft corporate policies: Both companies carry up to $1 million in coverage, but only under certain conditions.
Key detail: If the driver was offline or not logged into the app, Uber and Lyft’s policies don’t apply. If they were logged in and waiting for a ride, there’s limited coverage. If they were actively transporting a passenger, the full rideshare policy applies.
Can You Sue Uber or Lyft Directly?
This is one of the most common questions. Because Uber and Lyft classify drivers as independent contractors, suing the companies directly is extremely difficult. Instead, claims are usually handled through their insurance policies.
That’s where an experienced Uber accident lawyer in Union County, NJ comes in. At Portnoi & Reed, we know how to pursue the right insurance channels, gather evidence, and build a case that ensures you don’t get pushed aside by corporate tactics.
What if the Rideshare Driver Wasn’t at Fault?
Even if your Uber or Lyft driver wasn’t at fault, you may still be covered:
- Uber/Lyft’s insurance may cover you as a passenger.
- The at-fault driver’s insurance may also be liable.
- In some cases, multiple policies can apply, which makes maximizing your recovery more complex.
This is exactly why rideshare accident claims require a law firm with deep experience.
Don’t Try to Navigate Insurance Alone
Insurance companies—especially those representing Uber and Lyft—are known for denying or minimizing claims. Without legal help, you risk losing out on the compensation you deserve.
Our attorneys will:
- Investigate the crash and determine all liable parties
- Secure rideshare app and driver records
- Handle negotiations with multiple insurance companies
- Fight for full compensation for your injuries, lost wages, and pain and suffering
Talk to a Union County Uber Accident Lawyer Today
If you’ve been hurt in an Uber or Lyft accident, don’t wait. The longer you delay, the harder it becomes to collect evidence and deal with insurance companies.
Call The Law Office of Portnoi & Reed P.C. at (908) 228-8800 today to schedule a free consultation. We’ll explain your rights, review your case, and help you take the next steps toward justice.
