Many New York rideshare passenger injury claims settle around $15,000 to $75,000 for moderate injuries, and much more if there is a serious injury under New York law.

What the insurance company wants you to believe: this is routine, they just need "your side," a recorded statement will speed things up, and they are still "figuring out whose policy applies." That friendly call is often about locking you into early details before your injuries are clear, getting you to downplay pain, or pushing you toward a fast lowball offer.

Reality: as a hurt passenger, you usually start with New York no-fault benefits through the insurance on the vehicle you were riding in - here, the Uber vehicle's no-fault carrier in most cases. No-fault pays medical bills and part of lost wages no matter who caused the crash. But you must file the no-fault application, usually Form NF-2, within 30 days.

Do not give a recorded statement just because an adjuster asks.

Do not guess about speed, impact, or whether you are "fine."

If the crash involved a truck on the BQE, LIE, or another Queens roadway, there may be multiple policies in play: the Uber driver's coverage, Uber's commercial policy, and the truck company's liability policy. Those insurers often point fingers at each other while the clock runs.

Right now, protect yourself by doing these fast:

• Get medical care today and make sure every symptom is documented.
• Save screenshots of the Uber trip, driver info, plate number, and crash location.
• Get the NYPD accident report number.
• File the no-fault claim within 30 days.
• File a DMV MV-104 crash report within 10 days if required.

If your injuries qualify as serious injury under Insurance Law § 5102(d), you can also pursue a claim beyond no-fault against the at-fault driver or company.