A limitation on lawsuits provision is common in New Jersey insurance policies.  The provision basically says you cannot sue for certain types of compensation if you are hurt in an accident (pain and suffering, for example).  Car insurance companies charge lower premiums if you select this option.  If you were injured as a passenger in an Uber, the limitation will not apply.  In other words, the usual no-fault New Jersey insurance laws do not apply and you can pursue full compensation from the Uber policy.