New Jersey has a reputation for doing some things its own, sometimes confusing, way, but one way the Garden State is lining up with the rest of the country is what happens if, unfortunately, a rideshare vehicle is involved in an incident. on the roads.
Christine O’Brien, president of the Insurance Council of New Jersey, said for drivers on contract with a company like Uber or Lyft, they can think of their shift in two “periods.”
In the first, the app is activated and the driver waits for someone to request a ride. An accident that occurs during this time, depending on the circumstances, may be covered either by the ridesharing company’s insurance or by the driver’s personal insurance.
However, once passengers get into a vehicle for their trip – the second “period” – it’s the ride-sharing insurance that covers everyone in the car, and in fact, O’Brien said the New Jersey had been imposing it for some time.
“There is a national model that very much reflects what New Jersey law is for ride-sharing companies and how driver and rider coverage is paid for,” O’Brien said. “So if you’re the passenger in the car, whether or not you have your own auto insurance, ride-sharing insurance is the primary source of coverage.”
O’Brien said when a driver signs up to use their personal vehicle as a rideshare, the company or companies that may employ them fully disclose what the driver’s responsibilities are, including having their own pre-existing car insurance.
That being said, even if incidents and accidents are covered by these companies, the driver must still disclose to his personal insurer that he is using his car for this purpose.
“They will either give you an option to purchase additional coverage, or what we call an endorsement, so that you are fully covered for this new risk or this new use of your vehicle,” O’Brien said.
And as always, she says, knowledge is power.
“We never think about insurance until we actually need it,” O’Brien said, “and you don’t want to be stuck without the proper coverage because you haven’t thought, for start, providing it for yourself.”
The Ultimate Guide to New Jersey Breweries
So what is a “brasserie”?
“A craft brewery is a hybrid between a restaurant and a brewery. It sells at least 25% of its beer on site in combination with extensive catering services. In a craft brewery, beer is primarily brewed for sale to the inside the restaurant or bar. Where legally permitted, breweries may sell beer to take-out or distribute it to certain off-site destinations.”
New Jersey has tons of Brewpubs, some of which have been around for years and some that just opened last year.