Ride-sharing has become a huge industry not only in Florida but around the country. Uber and Lyft dominate this industry and their success has led to an increase in vehicle miles traveled, which has increased the possibility of being involved in a motor vehicle accident. Uber and Lyft both have ride-sharing apps that connect private drivers with their passengers. With ride-sharing accidents, property damage, medical expenses, personal injuries, and other recoverable damages usually differ from regular motor vehicle accidents. Although Uber and Lyft may seem similar in many ways to taxi services, they are not. Accidents and collisions involving Uber, Lyft, and any other ride-share companies are subject to different rules that can vary greatly depending on specific facts surrounding each accident. Because there’s a difference in the way that insurance companies view the Uber and Lyft, it is important to speak with an Uber/Lyft attorney immediately after an accident so that you do not forgo your right to pursue the responsible parties for damages.
What Florida Accident Victims Need to Know About Uber and Lyft Collisions
Uber and Lyft vehicles offer coverage limits of $1,000,000.00 in an accident when the driver has a passenger in the car or when they are on their way to pick up a passenger. When the driver is waiting for the passenger, the coverage drops to $100,000.00 per accident. In Florida, drivers are required to carry personal injury protection (PIP) on their auto insurance policy. When a ride-share driver is involved in an accident, PIP covers medical expenses and other specific non-medical related costs. However, one caveat is that you must seek medical attention within 14 days of the accident to qualify for PIP benefits.
It is important to speak with an attorney immediately following an Uber or Lyft accident. A car accident attorney will guide you through the process so that you may be able to obtain the compensation that you deserve for your medical expenses, lost wages, pain and suffering, and more. Call 1800-Injured to be connected with an experienced attorney in your area.
Florida Ride-Share Laws
In 2017, Florida enacted ride-sharing laws that required ride-share companies such as Uber and Lyft to conduct background checks on all of their drivers. Under these laws, the company must conduct a background check on each applicant. Uber and Lyft may not work with a driver if the driver has had a drunk driving conviction within five years of their application. Also, ride-share companies must reject applicants who have reckless driving convictions, hit and run convictions, or have been convicted of other disqualifying offenses five years prior to their Uber or Lyft application. Sex offenders are totally disqualified and not allowed to drive for Uber or Lyft. Finally, both Uber and Lyft must make sure that their drivers have a valid license.
If an Uber or Lyft driver is suspected of driving drunk, the company has to suspend them from offering their services. The driver must be suspended until the drunk driving allegations are resolved. If the driver receives a conviction, then they are not allowed to continue to work for Uber or Lyft.
If Uber and Lyft do not follow Florida’s mandatory requirements, and you are injured as a result of their negligence, then you may have an additional claim against the company. In addition to liability for the accident itself, you could also have a claim against the company for their failure to have taken the necessary steps to ensure your safety. An experienced Uber or Lyft lawyer can investigate such matters and determine if this type of claim is applicable in your case.
What Happens When You’re the Uber/Lyft Driver?
Drivers of Uber and Lyft vehicles are covered by an insurance policy of $1,000,000.00 anytime that a passenger is in the vehicle or the driver is on their way to pick up a passenger. When a driver is looking for passengers the insurance limits are lower. The ride-share insurance policy may not cover certain things if the driver was found to have been at fault for the accident. The driver, as a contractor, should carefully review their personal insurance policy as well as the Uber/Lyft insurance policy to make sure that they have adequate coverage to properly run their ride-sharing business.
What Happens As An Uber/Lyft Passenger?
If you were the passenger of an Uber or Lyft vehicle that was in an accident, you are not at fault for the accident and you should be able to recover damages. If the accident is caused by a vehicle other than the Lyft or Uber vehicle, then you would make a claim against the at-fault vehicle. However, if you were a passenger of an off-duty Uber or Lyft vehicle who is at fault for the accident, then the driver would be responsible for the accident and you would make a claim against their personal insurance policy.
I Was in an Accident with an Uber/Lyft Vehicle
Depending on whether or not the driver was transporting a passenger, on their way to pick up a passenger, or off duty, it will determine which insurance company will be responsible for the accident. If you have been involved in a collision with a ride-share vehicle it is important to contact an attorney so that they can pursue the appropriate insurance claim(s) on your behalf.
Steps to Take After an Uber Accident
When an accident strikes it can be very stressful but you must remain calm. After an accident in an Uber or Lyft vehicle, you should check to see that all parties are safe you should notify the police and paramedics if necessary and contact the ride-share company. Below are the steps to follow after an Uber accident:
- Check yourself for injuries and check the well-being of the passengers. If you are unsure whether or not you are injured call 911 and have the paramedics confirm.
- Get to safety. If you are a passenger ask the driver to pull to the side of the road until the police arrive (if safe to do so).
- Obtain all drivers contact and insurance information.
- If witnesses exist, obtain their contact information and statement.
- Take pictures of the accident (if it is safe to do so).
- Contact Uber – Enter the Uber app, select “in an accident,” and fill out all of the necessary information. An Uber team member will contact you and gather all required information.
Recovering Compensation After an Uber Car Accident
After it has been determined who caused the accident, your Uber attorney will make an insurance claim against the at-fault party. It is important to know that when you’re the passenger of an Uber vehicle you’re usually insured up to a million dollars. If it is determined that the Uber driver is responsible for the accident, then you can make an insurance claim against their policy. If another vehicle was at fault for the accident while you were an Uber passenger and they don’t have sufficient insurance, the Uber policy should kick in and cover what the other driver cannot. If you have been injured in an Uber or Lyft accident, you may be able to pursue a claim against the driver’s insurance company and you may be entitled to compensation for medical expenses, lost wages, pain and suffering, and other damages. Contact 1800-Injured to be connected with an Uber/Lyft attorney in the Miami, Ft. Lauderdale, Orlando, or Tampa areas.
Dealing With Insurance After an Uber Accident
After an Uber accident, you must notify Uber of the accident. You will also need to obtain the driver’s insurance information for the vehicle that you were in. Uber and Lyft both have partnerships with car rental companies for ride-sharing purposes. If your driver was using a vehicle that was rented to drive for Ube,r you’re going to also need the insurance information for the Uber rental. In the event that the Uber driver was at fault for the accident, then you would file a PIP claim as well as a liability claim against the Uber. With so many insurance companies involved it can be overwhelming and time-consuming to have to contact all of them. An Uber accident attorney can take care of contacting the insurance companies and third parties so that you can focus on your recovery.
Recovering Damages After an Uber Accident
After it has been determined which driver caused the accident, your Uber attorney will make a claim against the at-fault party. Uber and Lyft vehicles in Florida are obligated to carry personal injury protection, which may award you immediate compensation for medical bills and lost wages. Once you are done with all medical treatment, your attorney will obtain all documents and create a demand. The liability demand will be submitted to seek compensation for your damages. An experienced Uber accident attorney will negotiate on your behalf so that you are properly compensated.
Recovering Compensation After a Lyft Car Accident
If you have been injured in a Lyft accident, you may be able to pursue a claim against the driver’s insurance company and you could be entitled to compensation for medical expenses, lost wages, pain and suffering, and other damages. If you have suffered serious catastrophic injuries, the at-fault driver is the one who is responsible for your losses. If that’s the Lyft driver, then you look directly to their insurance policy. If another driver is at fault, you may find that their insurance is not sufficient to cover your damages. If that’s the case, the underinsured portion of the Lyft policy will step in and cover what the other driver’s policy cannot cover. Contact 1800-Injured to be connected with a Lyft attorney in the Miami, Ft. Lauderdale, Orlando, and Tampa areas.
What Happens When The Uber/Lyft Driver is Not Using Their Vehicle for Ride-Sharing?
If you’re involved in an accident with an Uber or Lyft vehicle that isn’t using their vehicle for ride-share purposes, then Florida’s regular car accident laws apply and you would pursue a claim against the driver’s insurance company. In Florida, you must look to your own personal injury protection insurance to cover minor injuries. You can bring an additional claim to cover your property damage or serious or permanent injuries. It is important to speak with an Uber or Lyft accident attorney to determine what type of claim to pursue.
Uber & Lyft Accidents Can Have Financial Consequences
Any type of auto accident can result in financial setbacks. If you have been injured in an Uber or Lyft accident, you have the right to seek compensation. Injuries can result in your having to miss time from work, medical bills, physical therapy, and the transportation costs of travelling to and from your doctor’s appointments.
How Can an Uber/Lyft Accident Lawyer Help Me?
After an Uber or Lyft accident, the insurance claims process can be daunting. The good news is that you don’t have to figure everything out by yourself. Florida Uber and Lyft attorneys are experienced with these types of claims and can help take the burden off of you. A car accident attorney who’s experienced with Uber and Lyft claims can help by filing all of the necessary claims and communicating with the insurance company and all other parties involved. In addition, while you’re focused on your medical recovery, your attorney will compile all documents related to the incident, such as the police report, medical records, and phone records if applicable. An Uber/Lyft attorney will thoroughly review the details of your accident in order to build a strong case in your favor.
Contact 1800-Injured about your Uber or Lyft Accident
After an accident, your priority should be your recovery and getting back to being yourself. Let an Uber or Lyft lawyer help with the insurance claims process. 1800-Injured is an attorney and medical referral service. We connect accident victims with attorneys and medical service providers with attorneys in their area. These highly-qualified accident lawyers can recommend doctors in your area who work with car accident victims on their recovery. All of the attorneys in the network offer free consultations and work on a contingency basis, so you’ll never pay out of pocket. Contact 1800-Injured and get immediately connected to an Uber or Lyft attorney in your area.