Miami Gardens is one of the most densely populated cities in Miami-Dade County, with busy corridors along Northwest 27th Avenue, 183rd Street, and the Florida Turnpike seeing heavy rideshare traffic around the clock.
Uber has become a primary way for residents and visitors to get around the city, whether heading to Hard Rock Stadium, commuting to work, or getting home safely after a night out. But when an Uber driver causes an accident, the path to compensation is far more complicated than a standard car crash claim.
Our car accident lawyers in Miami Gardens understand the unique legal and insurance challenges these cases present and are ready to help you pursue every dollar you are owed.
Call us at (954) 787-1500 or visit our contact page to schedule your free consultation.
What Sets Rosen Injury Law Apart
- Nearly 20 years of Miami Gardens personal injury experience, handling rideshare cases as the industry has grown and the law has evolved around it
- Over $125 million recovered for injured clients across South Florida
- Board-certified civil trial attorney Eric Rosen leads the firm, a distinction held by fewer than 2% of Florida attorneys
- No fees unless we win. We handle every case on a contingency fee basis, so you pay nothing upfront
- Direct, personal attention. Your case is handled by our attorneys, not passed off to a call center or paralegal team
Understanding Florida’s Uber Insurance Tiers
Under Florida Statute § 627.748, the coverage available after an Uber accident depends on the driver’s app status at the time of the crash:
- App off: Only the driver’s personal auto insurance applies. Uber has no coverage obligation during this period.
- App on, no ride accepted (Phase 1): Uber must provide at least $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage.
- Ride accepted through completion (Phases 2 and 3): Uber’s $1 million liability policy applies from the moment a ride is accepted until the passenger is dropped off.
Determining exactly which phase the driver was in at the moment of impact can be the difference between $50,000 and $1 million in available coverage, which is why app status evidence must be secured quickly.
Who Can File an Uber Accident Claim?
Rosen Injury Law represents multiple types of Uber accident victims, including:
- Passengers injured during an active Uber ride
- Other drivers and occupants whose vehicles were struck by an Uber driver
- Pedestrians and cyclists hit by an Uber vehicle
- Uber drivers who were injured in a crash caused by another driver while working
Each situation involves different insurance considerations and legal strategies. Regardless of which category you fall into, Florida’s modified comparative negligence standard under Florida Statute § 768.81 applies, meaning you can still recover compensation as long as you are found 50 percent or less at fault for the accident.
What to Do After an Uber Accident in Miami Gardens
The steps you take immediately after a crash can directly affect your claim:
- Call 911 and make sure a police report is filed.
- Seek medical attention right away — Florida’s 14-day PIP rule under § 627.736 requires initial treatment within 14 days to access PIP benefits.
- Take a screenshot of your Uber app to document the trip details, driver information, and route before closing it.
- Report the accident through the Uber app to create an official record.
- Photograph the vehicles, the scene, and any visible injuries.
- Avoid giving a recorded statement to any insurance company before speaking with an attorney.
How a Miami Gardens Uber Accident Lawyer Can Help You
Uber accident cases involve layers of complexity that a standard car accident claim does not. Here is why having an attorney in your corner matters from the very start:
- Navigating rideshare insurance coverage. Florida Statute § 627.748 establishes a tiered insurance system for Transportation Network Companies like Uber. The coverage available to you depends entirely on what phase the driver was in at the moment of the crash — whether the app was off, the driver was waiting for a ride request, or a passenger was in the vehicle. An attorney knows how to determine which coverage tier applies and how to pursue the maximum available compensation under each scenario.
- Dealing with multiple insurance companies. An Uber accident can involve the driver’s personal auto insurer, Uber’s commercial policy, and your own PIP or uninsured motorist coverage, all at once. Each insurer has its own interests, and they frequently dispute which policy should respond first. An attorney can cut through that confusion and make sure no insurer shifts its responsibility onto another at your expense.
- Preserving critical evidence. Uber maintains internal data on every trip, including GPS records, app status logs, and driver information. This data can be critical to establishing which insurance tier applies and how the crash occurred. But it must be requested promptly before it becomes unavailable.
- Fighting back against lowball offers. Rideshare insurers handle high volumes of claims and often move quickly to offer settlements that fall far short of a claimant’s actual losses. An attorney can calculate the full value of your damages and negotiate from a position of strength.
Talk to a Miami Gardens Uber Accident Attorney Today
Uber accident claims move fast, and so do the insurance companies involved. The sooner you have an attorney working on your case, the better positioned you are to protect your rights and pursue full compensation for your injuries.
Call Rosen Injury Law at (954) 787-1500 or reach us through our contact page to schedule your free consultation. We handle every case on a contingency fee basis — you pay nothing unless we win.
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