What to Do After an Uber or Lyft Accident in Florida
Rideshare services like Uber and Lyft have become a part of our daily lives, but what happens when the ride goes wrong? A rideshare accident can be far more complicated than a standard car crash. The insurance policies, the liability, and the process for filing a claim are all different. Today, I'm going to explain the five key things you need to know about Uber and Lyft accidents in Florida.
The first thing to understand is the complexity of insurance. Both Uber and Lyft carry large commercial insurance policies, but they are not always active. This commercial coverage only applies when the driver is en route to pick up a passenger or is actively transporting one. If the driver is just driving around waiting for a request, their personal auto insurance or a reduced company policy may be in effect. This distinction is critical and can significantly impact your claim.
Because of Florida's no-fault insurance laws, if you're a passenger, you will likely need to file a claim with your own car insurance for Personal Injury Protection (PIP) benefits first. You can only make a claim against the rideshare company's policy or the at-fault driver's insurance if your injuries meet Florida's "serious injury" threshold or another exception applies.
If the at-fault driver is uninsured, the rideshare company's commercial uninsured/underinsured motorist coverage should cover the passenger. But again, this depends on whether their policy was active at the time of the crash. Navigating these complex rules on your own is a huge challenge.
Insurance adjusters for rideshare companies are well-versed in these policies and will work to limit their liability. Having an experienced attorney on your side ensures you have someone who understands the nuances of these commercial policies and knows how to fight for the compensation you deserve.
The last thing you should have to worry about after an accident is a confusing legal battle. Whether you're a passenger or a driver, the legal landscape of rideshare accidents is complex and unique. We're here to help you get the answers you need and the compensation you deserve.
If you or a loved one has been injured in an Uber or Lyft accident, don't try to handle the insurance companies on your own. Contact our firm today for a free consultation. We'll help you understand your rights and determine the best path forward to seek fair compensation.