Many Madison residents assume a rideshare claim is “just like any other auto accident.” In practice, the crash may involve multiple potential drivers and insurance layers—especially when:
- The crash happened before the trip fully started or after the trip ended in the app
- The rider was injured getting in/out at a curb or drop-off area
- A pedestrian or cyclist was struck while crossing nearby streets
- More than one vehicle was involved (common on busier corridors and during heavy traffic)
Because of New Jersey’s comparative fault system, insurers may also argue you were partly responsible (for example, walking in the roadway, stepping into traffic, or not using a crosswalk). Even when their story sounds plausible, it may not match the physical evidence.


