Uber Accidents
Dedicated personal injury lawyers who aggressively represent Uber accident victims in Pennsauken and throughout South Jersey.
South Jersey Uber Accident Lawyers
Uber rides are a daily reality in Pennsauken, New Jersey. Whether you’re catching a ride from the Pennsauken Transit Center near Route 130, heading to work along Marlton Pike, or getting dropped off near the Pennsauken Mart area, rideshare vehicles are everywhere. That convenience is real, but so is the risk. When an Uber driver causes a crash, the path to fair compensation is far more complicated than a standard car accident claim. As a South Jersey personal injury lawyer, Petrillo & Goldberg Law has helped injured people in Pennsauken and across Camden County understand their rights after rideshare crashes. If you or someone you love was hurt in an Uber accident, here is what you need to know.
Table of Contents
- How New Jersey Law Governs Uber Accidents
- Understanding the Three Phases of Uber Insurance Coverage
- Who Can Be Held Liable After an Uber Accident in Pennsauken?
- What to Do After an Uber Accident in Pennsauken
- New Jersey’s Statute of Limitations and No-Fault Rules for Uber Claims
- FAQs About Uber Accidents in Pennsauken, New Jersey
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How New Jersey Law Governs Uber Accidents
New Jersey does not treat Uber like a regular car service. The state passed the Transportation Network Company Safety and Regulatory Act, codified under N.J.S.A. 39:5H-1 et seq., which sets specific rules for rideshare companies and their drivers. The New Jersey Motor Vehicle Commission implemented requirements for transportation network companies (TNCs), and the Transportation Network Company Safety and Regulatory Act establishes safety and insurance requirements for TNCs that conduct business in New Jersey in order to protect drivers as well as the riding public.
The law creates a three-phase insurance structure that determines exactly how much coverage applies at any given moment. Rideshare services like Uber operate under this Act, which requires every rideshare company and driver to maintain specific insurance coverage based on the driver’s status at the time of the crash. That status matters enormously. Was the driver waiting for a ride request? Already en route to pick someone up? Actively transporting a passenger? Each phase carries a different coverage level, and knowing the difference can determine how much compensation you can recover.
New Jersey Checks
For Uber Drivers.
All Uber driver applicants must undergo a driving record check and criminal background check prior to using the app as a driver. Disqualifying crimes include homicide, sexual assault, driving under the influence, reckless driving, and possession or sale of a controlled dangerous substance. Still, background checks are not foolproof, and dangerous drivers do slip through. When they do, injured victims need to know exactly where to turn.
As a South Jersey Personal Injury Lawyer, Petrillo & Goldberg Law evaluates every angle of your case, from driver behavior to corporate liability, to build the strongest possible claim on your behalf.
Understanding the Three Phases of Uber Insurance Coverage
The single biggest source of confusion after an Uber accident in Pennsauken is insurance. Most people assume Uber’s policy automatically covers everything. The reality is more layered than that, and the phase the driver was in at the time of the crash controls everything.
Logged in, no ride
When the driver is logged into the app but has not accepted a ride request, the rideshare company must provide coverage that meets or exceeds state minimum requirements, which vary by state and may include higher amounts than basic personal auto coverage, along with PIP and UM/UIM coverage as required by law. This is the lowest tier of coverage, and it may not be enough for serious injuries.
Has accepted a ride
When the driver has accepted a ride request and is en route to pick you up or drop you off, the company’s commercial policy must provide at least $1 million in liability coverage for death, bodily injury, and property damage, plus $1 million in uninsured and underinsured motorist coverage. That is a significant jump, and it reflects the higher risk Uber accepts once a ride is officially underway.
With a passenger
In New Jersey, TNCs are required to have $1 million in liability coverage when a passenger is in the vehicle, which is 20 times the $50,000 requirement per incident for personal vehicles. This high coverage limit exists because New Jersey takes passenger safety seriously. However, collecting on that coverage is a different challenge entirely. Insurance adjusters work to minimize payouts, not maximize them. Having an experienced attorney in your corner changes that dynamic.
Driver is logged out
If the app was completely off when the crash happened, Uber’s commercial policy does not apply at all. Should an Uber driver be traveling without the app on, they are no longer required to meet TNC insurance requirements, and any accident would be covered only by their personal auto policy. Personal policies often carry far lower limits, which is why identifying the driver’s app status at the moment of impact is one of the first things our team investigates.
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Who Can Be Held Liable After an Uber Accident in Pennsauken?
Liability in a Pennsauken Uber accident is rarely simple. Multiple parties can share responsibility, and identifying all of them is essential to recovering full compensation. Think about a crash at the intersection of Route 73 and Merchantville Avenue, or a rear-end collision on Haddonfield Road near the local shopping centers. The facts of each accident determine who owes you damages.
The Uber driver is the most obvious potential defendant. If their negligence caused the crash, whether through distracted driving, speeding, or running a red light, they can be held personally liable. An Uber or Lyft driver may be at fault for a crash when the injured individual is a pedestrian, passenger, or another vehicle, meaning anyone injured in an Uber crash may sue the driver for a personal injury.
Additional Responsible Parties
A third-party driver can also be held responsible. If another motorist caused the collision, their insurance becomes the primary source of recovery. Because New Jersey requires motorists to maintain liability coverage in the amount of $35,000 per person and $70,000 per accident as of January 1, 2026, anyone seriously injured in an accident will often exhaust that coverage. Once the at-fault motorist’s coverage is exhausted, Uber’s insurance policy will provide UIM benefits.
Uber itself can face liability in certain cases. Usually, you cannot sue Uber directly because its drivers are considered independent contractors, not employees. However, if your injuries are severe and your medical bills exceed PIP coverage limits, you may be able to pursue additional compensation from Uber’s insurance policy. If the company was negligent in its hiring or safety policies, there may be grounds for a lawsuit.
Recovery
After a New Jersey Uber accident.
Working with a skilled South Jersey car accident attorney means every potential defendant gets identified and pursued. Leaving money on the table because one liable party was overlooked is a mistake no injured person should have to make. At Petrillo & Goldberg Law we have a unique, shared approach to every case. Our team-based method is efficient and highly successful, and it sets our firm apart from the others.
What to Do After an Uber Accident in Pennsauken
The steps you take in the minutes and hours after an Uber crash in Pennsauken can directly affect the strength of your claim. This applies whether the accident happened near the Pennsauken Creek waterfront, along Route 130, or anywhere else in Camden County.
Contact Petrillo & Goldberg Law before speaking to any insurance adjuster. Our team at 6951 North Park Drive, Pennsauken, NJ 08109 handles those conversations for you. Call us at 856.486.4343 to speak with someone who understands exactly how these cases work.The experienced car accident lawyers at Petrillo & Goldberg Law can review all policies and determine your best path forward.
Call 911
Call 911 immediately. A police report is a critical piece of evidence. Make sure the responding officer notes that the vehicle involved was an Uber. Confirm that the police report lists the driver as operating for Uber or Lyft. If that information is missing from the report, it can create problems when you file your insurance claim later.
See a Doctor
Seek medical care right away, even if you feel fine. Injuries like whiplash, soft tissue damage, and concussions often do not show full symptoms until hours or days later. Delaying treatment gives insurance companies a reason to argue your injuries were not caused by the crash.
Document the Scene
Document everything at the scene. Take photos of the accident scene, your injuries, and vehicle damage. Collect witness statements, obtain a copy of the police report, and keep medical records and bills related to the accident. Screenshot the Uber app to confirm the ride was active. That digital record can be powerful evidence.
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“I have nothing but positive words for Petrillo & Goldberg. Throughout the length of my case, they were always friendly, attentive and communicative. I couldn't have asked for better representation.”
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New Jersey’s Statute of Limitations and No-Fault Rules for Uber Claims
Two legal rules shape every Uber accident claim in New Jersey, and missing either one can cost you your right to recover. The first is the statute of limitations. In New Jersey, the statute of limitations for personal injury claims, including those from Uber accidents, is generally two years from the date of the accident. This means you have two years to take legal action against the at-fault party or Uber driver. Two years sounds like a long time. It is not. Building a strong case takes time, and evidence disappears fast.
The second rule is New Jersey’s no-fault insurance system. New Jersey follows a no-fault insurance system, meaning that medical expenses after an accident are covered by the injured person’s own Personal Injury Protection (PIP) insurance, regardless of who was at fault. You file with your own PIP carrier first, no matter who caused the crash.
However, there is an important exception for rideshare passengers. If you are injured in an accident caused by an Uber or Lyft driver, whether you are a driver or passenger of the other vehicle, or a passenger of the Uber/Lyft vehicle, the limitation on lawsuit option does not apply and you will not need to prove you have sustained a permanent injury. This is a significant legal advantage for Uber passengers in New Jersey. It means you can pursue pain and suffering damages without clearing the verbal threshold that applies to standard car accident claims.
A knowledgeable car accident attorney can help you understand how these rules interact and how to position your claim for the best possible outcome. At Petrillo & Goldberg Law, we handle every stage of the process, from the initial PIP filing to a full personal injury lawsuit if your injuries are serious.
If you are dealing with serious injuries after a Pennsauken Uber accident, do not wait. The car accident lawyer team at Petrillo & Goldberg Law is ready to review your case, explain your options, and fight for the compensation you deserve. In cases involving catastrophic harm or wrongful death, the stakes are even higher, and having the right legal team matters even more. Contact our Pennsauken office at 6951 North Park Drive, Pennsauken, NJ 08109, or call 856.486.4343 today. We also serve clients from our Woodbury office at 70 South Broad Street, Woodbury, NJ 08096. If you were involved in a multi-vehicle crash involving an Uber and other drivers, our team has the experience to handle the added complexity of those claims.