Florida Uber & Lyft Accident Lawyer

Driving a car

Remember when getting into the back of a stranger’s car was one of the worst decisions anyone could ever make? Before the advent of rideshare platforms like Uber and Lyft, we could all agree that this was ill-advised, but now Uber alone had 6.3 billion trips in 2021, generating $17.4 billion in revenue for something that, a decade ago, would garner the dismay of any level-headed individual.

The reason that ridesharing works is because of the collective trust we, as consumers, place in the vetting process that these transportation giants like Uber and Lyft have in place. We trust that our drivers have been properly screened and will take us to our destination safely, and we rarely give it a thought as we get into the back seat of a private citizen’s vehicle on our way to the airport, the grocery store, or a night out with friends.

Unfortunately, there is no vetting process, licensing, insurance policy, or any other safety measure that can guarantee a safe ride to your destination. That means being involved in a crash with an Uber or Lyft driver — whether as a passenger or while in another vehicle — is a possibility for anyone on the road.

Finding Legal Support After an Uber or Lyft Accident Is Simple

If you or a loved one have been involved in an accident with an Uber or Lyft vehicle in Florida, you may be wondering what your next steps should be. 1-800-Injured can connect you with a personal injury attorney who will be able to guide you through the insurance claims process and fight for the compensation you are rightfully owed.

Read more below to learn about rideshare accidents, and contact us as soon as possible to be connected with a lawyer for a free consultation. 1-800-Injured is a medical and legal referral service that connects personal injury victims with attorneys in their area who can help them recover damages they have incurred.

What To Do If You Have Been Involved in an Accident with an Uber or Lyft Driver

If you’ve been involved in a rideshare accident, the first thing you should do is call 911. Once the police and EMTs are at the scene, they can examine your injuries, compile a police report, and issue any citations that they deem necessary. If you are able, take pictures of the damage to all vehicles involved as well as any injuries that you or your passengers have sustained.

You must get medical attention, even if you believe your injuries to be minor. It’s important to have a thorough understanding of the extent of your injuries before beginning the insurance claims process. This will give you a better idea of the damages you are seeking, and will avoid your having to retract or revise previous statements you’d made to the insurer about your condition.

Once you have been seen by a medical professional and clearly understand the extent of your injuries, it’s time to begin building your case. This is where having an experienced Uber accident attorney on your side will be invaluable, as they will have a clear understanding of the law and know how to collect and present evidence in the most persuasive way possible.

Insurance Coverage for Independent Contractors

There is often confusion about how an Uber or Lyft driver is associated with the company they represent. Simply put, they are operating as “independent contractors,” which, under Florida Law, is defined as any individual that “performs or agrees to perform specific services or work for a specific amount of money and controls the means of performing the services or work. The independent contractor incurs the principal expenses related to the service or work that he or she performs or agrees to perform.”

Since the drivers are not employees of Uber or Lyft, unlike a taxi, limo, or bus driver working for a transportation company, their insurance coverage can be a bit confusing. Both companies provide liability insurance for drivers who are actively using the app, whether waiting for a fare, driving to pick up a fare, or completing a ride, but depending on the specific phase of the rideshare process, the coverage will change.

Uber’s Insurance Policy For Drivers

The following information is taken from Uber’s explanation of insurance benefits as it relates to the driver:

[If a driver is] Available or waiting for a ride request

Uber maintains the following auto insurance on [a driver’s] behalf in case of a covered accident:

Third-party liability if your personal auto insurance doesn’t apply¹

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

[If a driver is] En route to pick up riders and during trips

Uber maintains the following auto insurance on [a driver’s] behalf in case of a covered accident:

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury and/or first-party injury insurance²
  • Contingent comprehensive and collision³
  • Up to actual cash value of car with a $2,500 deductible 

Lyft provides similar coverage for their drivers, but in both instances, you may need to file multiple claims: one with the driver’s personal coverage and another with the coverage provided by the rideshare platform. Trying to handle multiple insurance claims at once is difficult for anyone — especially when trying to focus on recovering from injuries sustained in a car accident.

Contact 1-800-Injured To Connect With an Experienced Uber & Lyft Attorney Today

There are a number of reasons why it’s in your best interest to have an Uber or Lyft accident lawyer on your side when pursuing an accident claim against an Uber or Lyft driver.

Most importantly, insurance companies are not in the business of paying out more money than they absolutely have to; they will likely do everything in their power to minimize the amount they have to pay you. A Florida Uber accident attorney will know how to build a strong case and present the evidence in the most persuasive way possible to ensure you get the full compensation you deserve.

If you have any questions about your rights after being involved in a rideshare accident, or if you would like to discuss your case with an experienced personal injury attorney, we encourage you to contact us today for a free consultation.

Call us today to connect with an attorney in your area today.