Personal Injury Articles for the Injured of NJ

Using Uber or Lyft? Do you know who pays for the riders’ injuries in car accidents?

Posted by Francis M. Smith on Fri, Mar 02, 2018

By Francis M. Smith

Ride-sharing services occupy a strange sort of middle ground with respect to liability. It’s very clear who pays for your injuries if you’re hurt in an accident while riding in a taxi owned by a cab company and driven by one of its employees. It’s also clear who pays for your injuries if you’re in an accident while your friend is giving you a ride as a favor, even if you chip in for gas. But ride-sharing companies like Uber and Lyft have traditionally been viewed as neither fish nor fowl under the law, leaving customers uncertain where to turn in the event of an accident. Lyft and Uber drivers are independent contractors, not employees of the companies that provide the ride-sharing apps. However, these drivers’ insurance companies have balked at the prospect of paying commercial taxi-like claims in exchange for personal-vehicle premiums. Thanks to a law passed in late 2016, New Jersey residents now have a bit more clarity on the subject.

Read More

Topics: Motor Vehicle Accidents, injury compensation, insurance company, liability insurance

What is Umbrella (or "Excess" ) Insurance? Is Umbrella Insurance Right for Me?

Posted by Francis M. Smith on Mon, Feb 05, 2018

By Francis M. Smith

Many kinds of insurance policies have two distinct functions: they provide a way to pay for the help we need when we are harmed, and they protect the assets we have worked to earn in the event that a mistake we make harms someone else. The latter type of protection is liability coverage. If you become a defendant in a lawsuit, the relevant type of liability coverage you carry may be used to compensate the plaintiff for their damages without involving your personal funds, property, or future earnings. Having sufficient liability coverage protects your assets and your family's financial stability.

Read More

Topics: Automobile Insurance, homeowners insurance, liability insurance, umbrella insurance

Subscribe by Email

Client Reviews for Francis M. Smith, Esq., NJ Personal Injury Attorney

 Write a Review of Francis M. Smith, Esq., NJ Personal Injury Attorney

Most Popular Posts

Browse by Tag

Follow Me