An Uber Driver Hit My Car in Jersey City, NJ. Can I Sue for Damages?
If you are dealing with the aftermath of an accident with an Uber driver, you may wonder how the compensation process might differ compared to a typical car accident. Surely, you might be asking, “Can I sue for damages after an Uber driver hit my car?” You might be able to, depending on the circumstances of your accident and the compensation you may be eligible for through an insurance claim.
An Uber accident attorney can help you explore your legal rights and options after a rideshare accident.
Understanding Insurance Coverage After an Accident With an Uber Driver
Uber extends significant insurance coverage to those involved in accidents in which their driver was at fault. If the Uber driver was currently transporting a passenger or en route to pick one up when the accident occurred, Uber would likely provide at least $1 million in liability coverage for property damage and injuries.
If the driver was online but had not accepted a trip when the crash occurred, the company may instead provide third-party liability insurance in at least these amounts:
- $50,000 per person for injuries
- $100,000 per accident for injuries
- $25,000 per accident for property damage
Meanwhile, if the Uber driver who hit your car was offline at the time of the accident, Uber’s insurance likely would not apply. Instead, you would need to pursue a car damage claim through the driver’s personal auto insurance.
New Jersey requires drivers to carry a minimum of $5,000 of property damage coverage under its basic policies. If your driver’s insurance does not sufficiently cover your damage, you might need to pursue other methods of seeking compensation, such as a claim through your own insurer or a lawsuit against the driver.
New Jersey’s No-Fault and Modified Comparative Negligence Laws for Vehicle Accidents
Understanding New Jersey’s laws pertaining to vehicle accidents can help you determine whether suing after an accident with Uber makes sense for your case.
New Jersey is a no-fault state when it comes to vehicle accidents. This means that, generally, drivers use their own personal injury protection (PIP) insurance to cover the medical costs incurred in an accident, regardless of who was at fault. If your injuries exceed the state’s serious injury threshold, you might have the opportunity to claim additional compensation for injuries from the at-fault party as well.
The no-fault laws do not apply to property damage incurred in an accident. You would typically submit a claim through the at-fault party’s liability insurance to cover damage to your vehicle.
New Jersey is also a modified comparative negligence state, which impacts how insurance companies assign fault and award damages after an accident. Under this law, no party can recover losses from another party in an accident if they are more than 50% at fault.
If your responsibility for an accident in which an Uber driver hit your car was 50% or less, you could seek damages that are reduced by your percentage of fault. For instance, if you were assigned 20% liability, you could generally seek 80% of your damages from the other party.
Keep these laws in mind throughout the insurance process and determine whether to pursue legal action.
When Can You Sue After an Uber Accident?
Uber maintains full-coverage liability insurance for its drivers as a means to protect itself against personal injury lawsuits. However, there may be instances in which you might explore taking legal action either against Uber or against the driver:
- Uber’s negligence contributed to your accident. For example, perhaps Uber neglected to properly vet the driver who caused your accident or revoke their employment after a previous accident.
- The insurer has unfairly denied your claim. An attorney can help you understand whether an insurance adjuster may be liable for bad faith practices after wrongfully denying your claim.
- The insurance coverage does not sufficiently cover your damages. If the insurance policy that applies to your claim has insufficient coverage limits to pay out all of your applicable costs, you might consider a lawsuit to seek additional compensation.
- You have grounds to pursue non-economic damages. If the accident left you with significant, life-altering injuries, you might have grounds to pursue non-economic damages through an insurance claim. These might include pain and suffering, emotional distress, or loss of quality of life.
Explore Legal Options After an Uber Driver Hits Your Car
If you want to understand your legal rights and options after an Uber driver hits your car, consult an experienced Uber accident attorney. They can review the circumstances of your accident and help you determine how to proceed.
Need an attorney you can rely on? The Law Offices of Peter N. Davis and Associates, LLC, represents Uber accident victims across Jersey City. We have represented over 14,000 clients throughout our 35 years of practicing personal injury law. Contact us today at (973) 279-7246(973) 279-7246 or through our online form and schedule a free, no-obligation case review.
Copyright © 2025. The Law Offices of Peter N. Davis & Associates, LLC. All rights reserved.
The information in this blog post (“post”) is provided for general informational purposes only and may not reflect the current law in your jurisdiction. No information in this post should be construed as legal advice from the individual author or the law firm, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting based on any information included in or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country, or other appropriate licensing jurisdiction.
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