Lyft has become a fixture of daily life in Miami Gardens, with drivers picking up and dropping off passengers near Hard Rock Stadium, along busy stretches of Northwest 27th Avenue, and throughout the city’s residential neighborhoods. When a Lyft ride ends in a collision, injured passengers, other drivers, and pedestrians are often left wondering who is responsible and which insurance company should be paying their bills.
The answer depends on details most people have never had to consider before, and getting it wrong can cost you significantly. Our Miami Gardens car accident lawyers have handled rideshare claims across South Florida and know exactly how to navigate the insurance maze these cases create.
Call us at (954) 787-1500 or visit our contact page to schedule your free consultation today.
The Rosen Injury Law Difference
Choosing the right legal team after a Lyft accident is one of the most important decisions you will make. Here is what our firm brings to the table:
- A proven track record: We have recovered over $125 million for injured clients across Florida
- Board-certified civil trial attorney Eric Rosen holds a Florida Board Certification in Civil Trial Law, a distinction earned by fewer than 2% of Florida attorneys
- Nearly 20 years of Florida personal injury experience, including rideshare cases involving Lyft, Uber, and other TNCs
- Contingency fee representation: You pay nothing unless and until we win your case
- Responsive and personal: We keep our clients informed at every stage, and our attorneys handle your case from start to finish.
Why You Need a Miami Gardens Lyft Accident Lawyer
Lyft and Uber accident claims are not like standard car accident claims. Here is why having a knowledgeable attorney on your side makes a real difference:
- Understanding which coverage applies. Florida Statute § 627.748 establishes a tiered insurance framework for rideshare companies. The coverage available after a crash depends entirely on the driver’s app status at the moment of impact. Without understanding how these tiers work, injured victims can end up pursuing the wrong policy or settling for far less than they are owed.
- Identifying all liable parties. Depending on the circumstances of the crash, liability may rest with the Lyft driver, another driver, or both. If the Lyft driver was at fault while actively transporting a passenger, Lyft’s $1 million policy applies. If another driver caused the crash, their insurance is the primary source of recovery, with Lyft’s uninsured and underinsured motorist coverage potentially stepping in if that driver lacks adequate insurance.
- Preventing evidence from disappearing. Lyft maintains internal trip data, GPS records, and app status logs that can be critical to your case. This data must be requested promptly, and an attorney can take the legal steps necessary to preserve it before it becomes unavailable.
- Handling insurance company tactics. Rideshare insurers handle enormous claim volumes and routinely offer quick, low settlements to resolve claims cheaply. An attorney can evaluate whether any offer reflects your full damages and push back when it does not.
How Lyft’s Insurance Coverage Works in Florida
Florida Statute § 627.748 divides Lyft driver activity into three phases. The level of insurance coverage varies depending on which phase your accident occurred in. The phases are:
- App off: Lyft has no coverage obligation. Only the driver’s personal auto insurance applies.
- App on, no ride accepted (Phase 1): Lyft provides liability coverage of $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage.
- Ride accepted through drop-off (Phases 2 and 3): Lyft’s $1 million liability policy applies from the moment a ride is accepted until the passenger exits the vehicle. Lyft also provides contingent collision and comprehensive coverage during this phase, subject to a $2,500 deductible.
The difference between Phase 1 and Phase 2 coverage is enormous, which is why establishing exactly what the driver was doing at the time of the crash is a priority in any Lyft accident investigation.
Who Can Bring a Lyft Accident Claim?
Our attorneys represent a wide range of Lyft accident victims, including:
- Passengers injured during an active Lyft ride
- Drivers and occupants of other vehicles struck by a Lyft driver
- Pedestrians and cyclists hit by a Lyft vehicle
- Lyft drivers injured in crashes caused by other drivers while on an active trip
Florida’s modified comparative negligence standard under Florida Statute § 768.81 applies regardless of which category you fall into. As long as you are found 50 percent or less at fault for the accident, you remain eligible to recover compensation. However, your award will be reduced by your percentage of responsibility.
Steps to Take After a Lyft Accident in Miami Gardens
What you do in the hours following a crash can directly shape your ability to recover full compensation:
- Call 911 and ensure a police report is filed before leaving the scene
- Seek medical care immediately — Florida’s 14-day PIP rule under § 627.736 requires initial treatment within 14 days, or you lose access to PIP benefits entirely.
- Take screenshots of your Lyft app showing the trip details, driver information, and ride status before closing the app.
- Photograph all vehicles involved, the surrounding scene, and any visible injuries
- Collect contact information from witnesses
- Report the accident through the Lyft app to create an official record
- Do not give a recorded statement to any insurance company before speaking with an attorney
Contact Rosen Injury Law Today
A Lyft accident can leave you dealing with serious injuries, lost income, and insurance companies that are working hard to pay you as little as possible. Our attorneys are ready to take that burden off your shoulders and fight for the full compensation you deserve.
Call us at (954) 787-1500 or reach out through our contact page to schedule your free consultation. We handle every Lyft accident case on a contingency-fee basis—you pay nothing unless we win.