Rider University recently announced that it has teamed up with Lyft to provide safe late night rides for college students and this has only made use of the rideshare company even more popular in Lawrenceville. Lyft has become a regular part of transportation in Lawrenceville for college students and year round residents as well. Lyft is especially convenient for those who commute to work via public transportation and need a ride between the train or bus station and home. Lawrenceville Lyft accident attorneys know that while rideshare companies like Lyft and Uber offer convenient transportation, accidents do happen and when they do, liability and insurance issues can be complicated.
No fault car accident laws
New Jersey is a no fault state which means that in a car accident, injured parties typically have to first recover under their own insurance for their injuries. If their injuries are greater than their PIP limits, depending on the type of insurance they carry (verbal threshold or no limitation on lawsuit) and the severity of their injuries, they may or may not be able to recover from the at fault driver.
Lyft driver logged into the app
Similar to what is described above, no fault rules will typically apply in a Lyft or Uber accident when a driver is logged into the rideshare app, but has not yet accepted a ride. New Jersey law does require rideshare drivers to carry specific rideshare minimum insurance coverage that is in place when the driver is logged into the app.
Lyft driver has accepted a ride request
This is the best case scenario as far as accident liability and injuries are concerned. When a Lyft driver has accepted a ride request, there is no insurance or type or injury requirement in order to recover from the driver and Lyft. New Jersey law requires $1.5M minimum coverage for people injured by an at fault Lyft driver when the driver is in the process of completing a ride.
Rideshare gap coverage
Rideshare insurance policies are an extra layer of protection for drivers and they are completely optional, but if the Lyft driver has this rideshare gap coverage, you may be able to recover for your injuries and damages in the above scenarios where your coverage would otherwise be limited. The purpose of these policies is to provide extra coverage for drivers and injured parties when there is a gap in coverage, typically when a driver is logged into the app, but has not accepted a ride.
If you have sustained injuries and damages in a rideshare accident, contact a Lawrenceville Lyft accident attorney at The Law Offices of Greg Prosmushkin, P.C. to discuss the accident facts and injuries sustained. We know liability and insurance coverage is complicated and our attorneys want to see that injury victims receive a full and fair recovery. Our attorneys will conduct a thorough accident investigation including speaking with witnesses and gathering evidence that supports your claim. Our attorneys will make sure that your recovery options are exhausted and advocate on your behalf during insurance settlement negotiations.