Insurance Policy Requirements for Uber Drivers in Perth Amboy

Under New Jersey state law, everyone who owns and operates a motor vehicle on public roads is required to buy a specific minimum amount of liability insurance coverage. This would provide compensation to other people involved in a traffic collision caused by the policyholder. However, people driving personally owned or leased vehicles for a rideshare service like Uber or Lyft are required to purchase substantially more insurance coverage than the average driver. Since they are transporting human passengers, they are often liable for any injuries those passengers suffer in a wreck while riding with them.

It is important for Uber drivers in Perth Amboy to understand their insurance policy requirements. Doing so will allow you to avoid trouble with the law and protect you in the event of a serious car crash. Our supportive motor vehicle accident attorneys at Voto & Cavalli can represent you after a collision that leads to injuries.

When Logged Into the Rideshare App

New Jersey Revised Statutes § 39:5H-10 is the specific law which sets Uber driver insurance policy requirements in Perth Amboy and throughout the Garden State. Under this statute, rideshare drivers who are logged into their respective app but have not yet accepted a ride request will have at least $50,000 of liability insurance per person for bodily injuries in an accident, $100,000 total per accident, and $25,000 for all property damage stemming from a single collision.

When Carrying or Traveling to Pick Up a Fare

Once a rideshare driver for Uber accepts a ride request in the app and starts driving to pick up a passenger, they will have primary automobile liability insurance for at least $1,500,000 for death, bodily injury, and property damage. There is also a $10,000 MedPay for drivers.

When Driving Without Being Logged into the Rideshare App

Notably, the insurance policy requirements listed above do not apply to Perth Amboy Uber drivers when they are not logged into the Uber app, even if they are using the same vehicle they use for work. Under those circumstances, the driver’s personal auto insurance policy is the only one which would provide liability coverage to other people involved in a wreck, or personal injury protection (PIP) coverage to the policyholder themselves.

A Perth Amboy Attorney Can Further Explain Insurance Policy Requirements for Uber Drivers

All the figures listed above are just the mandatory minimum insurance policy requirements for Uber drivers in Perth Amboy and across New Jersey. Many rideshare drivers choose to purchase more than the minimum required coverage, both for when they are providing rideshare services and for when they are driving their own personal vehicle. This means you would have substantially more compensation available after a wreck with one of these drivers.

The legal factors can be complicated after a crash, especially when a rideshare is involved. Call today to learn what a skilled personal injury lawyer could do to help you with your unique case.