Mike’s Quick Answer
It depends on what responsibility means and what caused the crash, but New Jersey requires primary insurance while a transportation-network driver is logged in and available for a request even before accepting a ride. That does not automatically make Uber or Lyft directly liable for every collision. Insurance coverage, driver negligence, platform conduct, and agency theories are separate questions.
The Waiting Period Has Its Own Coverage
New Jersey law distinguishes a driver who is logged in and available from one who has accepted a prearranged ride. The waiting period carries required primary liability, PIP, and UM or UIM coverage, but not necessarily the same limits as an active ride.
The statutory requirement may be satisfied by the driver, the company, or a combination of the two. Obtain the actual insurance certificate and policy.
Insurance Is Not the Same as Direct Liability
An available policy can respond even when the platform disputes that it employed or controlled the driver. A direct claim against the company may require separate evidence involving negligent screening, retention, technology, safety rules, or another recognized duty.
Independent-contractor language is relevant but may not end every legal inquiry. The facts and governing law control.
Prove the Driver Was Actually Logged In
App logs, status screenshots, GPS, phone records, platform communications, prior or later trip records, and the driver's testimony can establish the period. The driver may be active on more than one app.
Mike can preserve and pursue those records. A platform decal or driver's assumption should not substitute for the digital evidence.
Frequently Asked Questions
What if the driver had two rideshare apps open?
It depends on each app's status and policy. Multiple platforms may raise overlapping coverage and contribution questions that require separate records.
Does waiting coverage protect a person in another car?
It depends on fault and policy terms, but required liability coverage can apply to qualifying third-party claims during the logged-in waiting period.
Sources and Further Reading
Important
This article provides general New Jersey information and is not legal advice. Every matter depends on its facts, policy language, deadlines, and applicable law. Medical questions should be discussed with a licensed physician. Tax questions should be discussed with a qualified tax professional.