Legal Terms of Use

Acceptance

These terms are an agreement between you and Friedlander Associates Inc. (doing business as NJ Ride Share Insurance), a New Jersey-licensed insurance agency (NJ Producer License 9725274, NPN 5735331). By using njrideshareinsurance.com you agree to these terms. If you do not agree, please do not use the site.

Informational Content, Not Advice

The coverage explanations, coverage period pages, app pages and guides on this site are general educational information about insurance for New Jersey rideshare and delivery drivers. They are not a quote, a binder, or a recommendation for your specific situation, and they do not create coverage. Policy forms, limits, endorsements, exclusions and pricing vary by carrier, by driver and by vehicle. Nothing here amends or interprets any policy you hold; the wording of your own declarations page and endorsements controls.

Where we describe a rideshare exclusion, a rideshare endorsement or how coverage changes from one period of a shift to the next, we are describing how those forms generally behave. Whether yours behaves that way is a question about your paper, not about this page.

Law and Court Decisions We Cite

Pages on this site cite New Jersey statutes, court decisions, pending legislation and guidance from the New Jersey Motor Vehicle Commission. We cite them as general information, because they shape what a rideshare or delivery driver's insurance should look like.

Those summaries are not legal advice and are not a substitute for reading the statute or decision itself. Statutes and case law change, pending bills may change or never become law, and your insurance company's policy forms or an app's own terms may impose conditions this site does not describe. For legal questions about a claim, an accident or a contract, talk to your own attorney.

Quotes and Placement

Submitting a coverage review request or your declarations page does not bind coverage and does not create an agency or client relationship until we confirm it in writing. Coverage is bound only when a carrier issues it. Quoted figures, indications and turnaround times are estimates and depend on underwriting.

When we compare your policy with the way you drive for rideshare or delivery apps, we read it as insurance professionals, and that comparison is not legal advice.

Documents You Send Us

When you upload declarations pages, policies, endorsements or other documents, you confirm you are entitled to share them. Please do not send us personal information about other people beyond what a quote requires; where your documents include other drivers in your household, we will use only what the placement needs. Uploaded documents may be read by secure document-processing services, including OCR and AI tools, before a licensed producer reviews them, as described in our Privacy Policy.

Intellectual Property

The content, design and marks on this site are owned by Friedlander Associates Inc. or its licensors and may not be reproduced without permission. Carrier names, and the names of Uber, Uber Eats, Lyft, DoorDash and any other app shown anywhere on the site, are the property of their respective owners and appear for identification only; we are not affiliated with or endorsed by them. Images on this site are illustrations; they do not show any client, driver or vehicle of ours.

Limitation of Liability

The site is provided "as is." To the fullest extent permitted by law, Friedlander Associates Inc. is not liable for any damages arising from your use of, or reliance on, the information presented here.

SMS and Text Messaging Terms

By providing your mobile number and opting in, you agree to receive text messages from NJ Ride Share Insurance, a trade name of Friedlander Associates Inc. Messages come from our business texting number and are sent by Kid From The Apts., LLC, which runs text messaging for NJ Ride Share Insurance.

• Program name. NJ Ride Share Insurance.
• What we send. Messages about your insurance inquiry, your quote, your appointments and the service of your coverage, plus occasional marketing messages only if you separately agree to them.
• Message frequency. Message frequency varies.
• Cost. Message and data rates may apply.
• Opt out. Reply STOP to any message to cancel. We will send one confirmation message and no further texts unless you opt in again.
• Help. Reply HELP for help, call (908) 730-6443, or email jeff@friedlanderinsurance.com.
• Carriers. Mobile carriers are not liable for delayed or undelivered messages.
• Consent. Consent to receive text messages is not a condition of purchase.
• Age. You must be 18 or older to use this service.
• Privacy. How we handle your information, including mobile numbers and text-messaging consent, is described in our Privacy Policy.

Changes to These Terms

We may update these terms from time to time. The updated version will be posted on this page with a revised date at the top. Your continued use of the site after changes are posted means you accept the revised terms.

Governing Law

These terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law rules.

Contact

Questions about these terms? NJ Ride Share Insurance, Friedlander Associates Inc., 361 Route 31 South, Building E, Suite 1301–1302, Flemington, New Jersey 08822. (908) 730-6443 · jeff@friedlanderinsurance.com