How Do Car Accidents While in an Uber or Lyft Work in Florida?

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Handling a car accident can be overwhelming, particularly when it involves ridesharing services like Uber or Lyft. In Florida, specific legal considerations apply, adding another layer of complexity for injured victims seeking compensation. This guide provides detailed insights into how these accidents are handled and what victims need to know.

What Happens Immediately After an Accident?

Gather Essential Information

If you’re involved in an Uber or Lyft accident, it’s crucial to gather all necessary information immediately. This includes:

The driver’s name and contact information
Details of the ridesharing vehicle
Information from the other vehicle(s) involved
Photos of the accident scene
Contact details of any witnesses

Ensure you contact law enforcement to document the incident officially. Their report will serve as critical evidence in any compensation claim.

Get Medical Attention

Your health is the priority. Seek medical evaluation, even if you feel fine initially. Certain injuries may not manifest until hours or days later. A prompt medical examination also supports your claims process by documenting any injuries related to the accident.

Understanding Liability and Insurance Coverage

Rideshare Insurance Policies

Uber and Lyft provide insurance coverage for their drivers and passengers. The coverage depends on the driver’s status at the time of the accident:

Offline or the App is Off: No Uber or Lyft coverage; only the driver’s personal auto insurance applies.
App On, No Ride Accepted: Contingent liability coverage from Uber and Lyft can apply if the driver’s personal insurance doesn’t cover the damages.
Ride Accepted or Passenger Onboard: Uber and Lyft provide up to $1 million in liability coverage and uninsured/underinsured motorist coverage.

Determining Fault

Florida follows a no-fault insurance system, meaning each party’s own insurance covers their damages, regardless of who caused the accident. However, serious injury claims can exceed personal insurance limits, allowing victims to pursue claims against the at-fault driver or ridesharing company.

Steps to Take for Compensation

Document Everything

Maintain detailed records related to the accident. This includes:

Medical bills and records
Correspondence with insurance companies
Repair estimates and bills for damaged property
Detailed notes of any symptoms or changes in your condition

Contact a Personal Injury Lawyer

Navigating insurance claims, especially involving rideshare companies, can be challenging. Consulting a lawyer experienced in Florida’s rideshare accidents can help you understand your rights and potential compensation.

Filing a Claim

In Florida, you may pursue a claim against:

Your Insurance: Under Personal Injury Protection (PIP) coverage
Driver’s Insurance: If the injury is severe, exceeding PIP coverage
Rideshare Company Insurance: If applicable, based on the driver’s status during the accident

Your Path To Recovery

Begins With a Call

Our experts are ready to help you claim the compensation you need to move forward.

Conclusion

Being involved in a car accident while riding in an Uber or Lyft in Florida can be daunting. Understanding your rights and the specific nuances of liability and insurance involved is crucial. Always prioritize your health and legal support to ensure you are adequately compensated for any losses or injuries.

Call Now for a Free Consultation

Rideshare accidents can lead to complex legal challenges, but you don’t have to face them alone. I’m here to help you navigate the claims process and secure the compensation you deserve.

Call Rosen Injury today at 954-787-1500 for a free, no-obligation consultation. Let me fight for your rights and ensure your financial recovery.

Related Content:

For more information, see Checker Cab Operators, Inc. v. Miami–Dade County, 899 F. 3d 908 (Fla. 11th Cir. Ct. 2018).

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FAQs About Uber and Lyft Accidents in Florida

Can I sue Uber or Lyft directly for my injuries?

Generally, Uber and Lyft drivers are independent contractors, not employees, making it difficult to sue the companies directly. However, their insurance policies provide coverage for accidents involving their drivers.

What happens if the at-fault driver is uninsured?

Uber and Lyft provide uninsured/underinsured motorist coverage when their drivers are on an active ride, ensuring compensation in such cases.

Can I file a claim if I was partially at fault?

Yes, under Florida’s comparative negligence law, you can recover damages, but your compensation will be reduced by your percentage of fault.

What is the statute of limitations for Uber or Lyft accident claims in Florida?

You typically have four years to file a personal injury claim, but consult an attorney promptly to avoid missing important deadlines.

What should I do if the rideshare driver’s insurance denies my claim?

Your attorney can negotiate with the insurance company or file a lawsuit to recover fair compensation.

Do I need to report the accident to Uber or Lyft?

Yes, report the accident through the rideshare app to create a record and initiate the claims process.

Can I recover compensation for emotional trauma after an Uber or Lyft accident?

Yes, non-economic damages like emotional distress and reduced quality of life are compensable in Florida personal injury claims.