How to File a Claim for a Rideshare Accident in Florida

If you’ve recently been in an Uber or Lyft accident in Florida, it’s crucial to understand how to file a claim and seek compensation. Knowing your rights as an accident victim is essential. Florida law provides specific guidelines for Rideshare accidents, ensuring you have legal recourse. Comprehending the steps in seeking compensation is important to

If you’ve recently been in an Uber or Lyft accident in Florida, it’s crucial to understand how to file a claim and seek compensation. Knowing your rights as an accident victim is essential.

Florida law provides specific guidelines for Rideshare accidents, ensuring you have legal recourse. Comprehending the steps in seeking compensation is important to navigate this process successfully. Each stage requires careful attention, from gathering evidence to negotiating with insurance companies.

In this guide, we’ll break down the process of filing a claim after a rideshare accident in Florida. We’ll explore the importance of understanding your rights and provide insights into seeking rightful compensation for your losses.

Your Rights as an Uber or Lyft Passenger

When you use rideshare services like Uber or Lyft, you can expect a safe and comfortable ride. Rideshare drivers are responsible for ensuring passenger safety throughout the journey. They must adhere to traffic laws, drive responsibly, and maintain their vehicles properly. If a driver fails to meet these expectations and you suffer injuries as a result, you have the right to legal action.

Understanding the duty of care owed by Rideshare companies toward their passengers

Rideshare companies such as Uber and Lyft have a duty of care towards their passengers. This means they are responsible for taking reasonable steps to ensure passenger safety. They should conduct background checks on drivers, verify licenses and insurance coverage, and provide adequate training on safe driving practices. If a Rideshare company breaches this duty of care and harms or injures a passenger, they may be held liable.

Rights to seek compensation if you are injured in an accident while using Uber or Lyft

If you sustain injuries in an accident while riding with Uber or Lyft, you have the right to seek compensation for medical expenses, lost wages, pain and suffering, and more. To file a claim successfully:

  1. Gather evidence: Collect any available evidence related to the accident, including photographs of the scene and contact information of witnesses if applicable.
  2. Report the incident: Inform the rideshare company (Uber/Lyft) and your insurance provider about the accident as soon as possible.
  3. Consult an attorney: Seek legal advice from a personal injury attorney specializing in rideshare accidents. They can guide you through the claims process and protect your rights.
  4. Document medical treatment: Keep records of all medical treatments, prescriptions, and expenses incurred due to the accident. This documentation will be crucial in proving your damages.
  5. Negotiate or pursue legal action: Your attorney will help you negotiate a fair settlement with the insurance companies involved. They can represent you in court if a satisfactory resolution cannot be reached.

Remember that Uber and Lyft drivers are classified as independent contractors rather than employees. Therefore, their insurance coverage may come into play when determining compensation for your injuries.

Does insurance cover passengers after an Uber or Lyft accident?

In Florida, if you’re in an Uber or Lyft accident, your insurance should cover costs, no matter whose fault it was. This is true even if you weren’t driving your car when the accident happened. 

But if you are severely hurt, you could sue the rideshare company or the driver’s insurance. Your insurance may not cover all the medical bills if the injuries are extensive.

Exploring the insurance coverage available for passengers involved in rideshare accidents

The good news is that both companies have liability insurance policies that cover passengers in an accident. These policies typically cover medical expenses and damages resulting from the accident.

In addition to the rideshare company’s insurance policy, there may be other sources of coverage for passengers. For example, if you have your own auto insurance policy, it may also cover Rideshare accidents. Reviewing your policy carefully is important to understand what is covered and what is not.

Understanding the potential sources of insurance coverage for medical expenses and damages

Here are some potential sources of insurance coverage:

  1. Rideshare company’s liability policy: As mentioned earlier, both Uber and Lyft have liability policies that cover passengers involved in accidents. These policies typically offer substantial coverage limits to protect passengers’ interests.
  2. Personal auto insurance: If you have personal auto insurance with comprehensive or collision coverage, it may apply to rideshare accidents as well. However, this depends on your specific policy terms and conditions.
  3. Personal injury protection (PIP) coverage: In Florida, drivers must carry personal injury protection (PIP) coverage as part of their auto insurance policy. PIP covers medical expenses and lost wages regardless of who is at fault in the accident. While PIP coverage primarily applies to the insured driver, it may also cover passengers.

Determining whether personal injury protection (PIP) coverage applies to Rideshare accidents

PIP coverage is essential for auto insurance in Florida. However, determining whether PIP coverage applies is more complex. In general, PIP coverage includes the insured individual and household members. This means that if you are a passenger in a rideshare vehicle and have your own auto insurance policy with PIP coverage, it may apply to your medical expenses resulting from the accident.

Will Uber and Lyft be held liable for the Rideshare accident?

Uber and Lyft have revolutionized how we travel, providing convenient transportation options at the tap of a button. But as with any mode of transportation, accidents can happen.It’s important to understand the liability of transportation network companies (TNCs) like Uber and Lyft.

Examining the liability of Uber and Lyft as transportation network companies (TNCs)

As TNCs, Uber and Lyft operate differently from traditional taxi services. They connect passengers with drivers through their smartphone apps but do not directly employ them. This unique business model raises questions about who should be held responsible for an accident.

In general, TNCs like Uber and Lyft argue that they are technology platforms rather than transportation providers. They claim that their drivers are independent contractors responsible for their actions on the road. However, the courts have started to challenge this notion.

Determining when Uber and Lyft can be held responsible for accidents caused by their drivers

The liability of Uber and Lyft for rideshare accidents depends on several factors. One key factor is whether the driver was “on duty” or “off duty” at the time of the accident.

When a driver is off duty, Uber and Lyft typically argue that they bear no responsibility for any accidents that occur during this time. In such cases, the driver’s personal insurance coverage usually applies.

However, when a driver is on duty or actively accepting ride requests through the app, both Uber and Lyft provide additional insurance coverage for bodily injury and property damage caused by their drivers. 

This coverage may vary depending on the different stages of a trip:

  1. Offline: The driver’s personal insurance applies.
  2. App On: The driver has turned on their app but hasn’t accepted ride requests. The TNC provides limited liability coverage.
  3. En Route: The driver accepts a ride request and is on the way to pick up the passenger or drop them off. Uber and Lyft provide primary liability coverage, including uninsured/underinsured motorist coverage.

Exploring factors that may impact TNC liability, such as driver status and negligence

Apart from driver status, other factors can affect Uber and Lyft’s liability in Rideshare accidents. Negligence plays a significant role in determining responsibility. If a driver’s negligence causes an accident while on duty, Uber and Lyft may be held liable for any resulting injuries or damages. They must ensure their drivers are qualified, properly trained, and driving safely.

If the Uber or Lyft accident occurs while the Rideshare driver is waiting for a ride request:

If Rideshare drivers are logged into the app and waiting for a pickup but don’t have a passenger, and they have an accident during this time, the people involved are protected by Uber’s backup insurance.

Additionally, the accident victims are covered by Uber’s contingent liability coverage, as follows:

  • Up to $100,000 for an accident
  • Up to $50,000 for injuries per person
  • Up to $25,000 for property damage.

Exploring potential challenges obtaining compensation if injured during this period

While there is some level of insurance coverage provided by both Uber and Lyft during wait times, there can be challenges in obtaining compensation if you’re injured in an accident during this period.

Some factors to consider include:

  • Determining fault: Establishing fault can sometimes be more complicated when accidents occur before accepting a ride request. Insurance companies may argue that the rideshare company isn’t liable since the driver hadn’t officially started working on their behalf.
  • Insurance disputes: There may be disputes between your personal insurance provider and the rideshare company’s insurer regarding who should cover your medical expenses or property damage.
  • Limited coverage: The contingent liability coverage offered by Uber and Lyft during wait times may have certain limits. If the damages exceed these limits, you may need personal insurance or explore other legal options.

Knowing how to navigate insurance claims when accidents occur before accepting a ride request

If you find yourself involved in an accident with an Uber or Lyft driver while they wait for a ride request, there are steps you can take to navigate the insurance claims process effectively:

  1. Seek medical attention: Your health and well-being should be your top priorities. Seek immediate medical attention for any accident injuries. 
  2. Gather information: Collect pertinent details such as the driver’s name, contact information, license plate number, and insurance details. Gather witness statements if possible.

If the Uber or Lyft accident occurs while the rideshare driver is carrying a passenger or on the way to pick up one:

Insurance coverage is higher if a Rideshare driver is in the middle of a ride. This is because companies like Uber and Lyft are responsible when carrying passengers. 

Some insurance highlights:

  • They offer up to $1,000,000 for injuries and property damage.
  • There’s coverage if another driver involved doesn’t have insurance or if it’s a hit-and-run.
  • If the rideshare driver has their own special car insurance, they can get extra coverage for their car. But there’s a $2,500 fee, and the amount depends on the car’s worth.

Analyzing insurance coverage options available when accidents happen during active trips:

  1. Personal auto policies: When involved in an accident during an active trip, Rideshare drivers are generally covered by their personal auto policies. However, personal auto policies usually exclude coverage when drivers use their vehicles for commercial purposes. This creates a gap in coverage that leaves accident victims uncertain about compensation.
  2. Commercial policies: Rideshare companies like Uber and Lyft provide commercial insurance coverage for drivers during active trips. These policies typically occur once the driver accepts a ride request and continue until the passenger exits the vehicle. Commercial policies offer higher liability limits than personal auto policies, protecting accident victims.

Understanding how both personal auto policies and commercial auto policies may come into play depending on specific circumstances

Picking up/dropping off passengers

During this stage of a ride, both personal auto policies and commercial policies may be applicable, depending on state regulations and specific company guidelines. 

Some states require rideshare companies to provide primary liability coverage from the moment the driver logs into their app.
Other states have legislation that mandates primary liability coverage only when the driver accepts a ride request.
Rideshare companies often provide contingent collision and comprehensive coverage during this phase.

En route to pick up a passenger: Coverage options can vary when an accident occurs while en route to pick up a passenger. 

Consider the following scenarios:
Personal auto insurance is typically the primary coverage if the rideshare driver is offline or not logged into their app.
Some companies provide limited liability coverage if the driver is logged in but hasn’t accepted a ride request.
Once a ride request is accepted, commercial insurance typically becomes primary.

In these situations, accident victims must gather as much evidence as possible to support their claims. This may include obtaining police reports, witness statements, photographs of the accident scene and damages, and any medical records related to injuries sustained. Navigating through insurance claims after a rideshare accident can be complex and overwhelming.

When to File an Insurance Claim Against the Rideshare Driver’s Insurance Company?

Acting promptly and understanding the necessary steps can significantly impact your claim outcome. Here are some key factors to consider when filing a claim against the insurance company of the Rideshare driver involved in the accident.

Gathering Evidence and Documenting Injuries Promptly

One important aspect of filing an accident claim is gathering evidence and documenting injuries as soon as possible. This helps establish a clear timeline of events and strengthens your case. 

After a Rideshare accident, Some companies provide limited liability coverage if the driver is logged in but hasn’t accepted a ride request. Collecting evidence such as photographs of the scene, vehicle damage, and any visible injuries sustained is essential. Obtaining witness statements or police reports can support your claim.

Promptly seeking medical attention is equally vital. Even if you believe your injuries are minor, some symptoms may not be immediately apparent but could worsen over time. Seeking medical care ensures that injuries are properly diagnosed and treated while creating a documented record that links them directly to the accident.

Statute of Limitations for Filing Claims Against Rideshare Drivers’ Insurance Policies

The statute of limitations sets a specific timeframe within which legal action must be initiated. This time frame typically ranges from two to four years in Florida, depending on factors such as personal injury protection (PIP) coverage and other circumstances surrounding the accident.

It’s essential to consult with an experienced accident attorney who can guide you through this complex process to avoid missing out on potential compensation due to expired deadlines. They will ensure that all necessary paperwork is filed within the required timeframe.

Consulting with a Lawyer

Navigating insurance claims after a Rideshare accident can be overwhelming, especially when dealing with insurance companies and their policies. Seeking the guidance of an accident attorney specializing in personal injury claims can greatly improve your chances of a successful outcome.

An attorney will deeply understand auto insurance laws and regulations specific to Florida. They can negotiate with the insurance company, ensuring you receive fair compensation for medical expenses, property damage, lost wages, and pain and suffering. If you’ve been in a similar situation, call us at Dyson Law, PLLC.

Types of Damages  You Can Claim After a Rideshare Accident

After being involved in a rideshare accident in Florida, it is crucial to understand the various types of damages you can claim. By identifying these compensable damages, you can ensure fair compensation for your losses.

Identifying different types of compensable damages

Economic Damages 

Refer to the financial losses you have incurred due to the accident.

Medical ExpensesThis includes costs associated with hospitalization, surgeries, medications, rehabilitation, and any future medical treatments required due to the accident.
Lost WagesThis includes current and future earnings you would have otherwise received had the accident not occurred.
Property DamageIn an auto accident involving a rideshare vehicle, you can include these costs in your claim if your personal property, such as your car or belongings, was damaged or destroyed.
Non-Economic Damages
Non-economic damages encompass intangible losses such as pain and suffering or emotional distress.

Pain and Suffering
This refers to physical pain endured due to rideshare accident injuries. It also includes emotional distress caused by trauma experienced during or after the incident.
Loss of enjoyment

If the injuries sustained affect your ability to participate in activities that once brought joy and fulfillment, you may be eligible to claim compensation for the loss of enjoyment.

Loss of consortium
If the accident has impacted your relationship with a spouse or partner, resulting in a loss of companionship, affection, or intimacy, you may be able to seek damages for loss of consortium.

What to Do After a Florida Rideshare Accident
In the immediate aftermath, taking certain steps to protect your well-being and ensure that you have the necessary information to file a claim is crucial. 

Here are the essential steps to follow after a rideshare accident in Florida:

Seek Immediate Medical Attention
Your health and safety should always be the top priority following an accident. Even if you don’t feel any immediate pain or see visible injuries, seek medical attention as soon as you can. Some injuries may not manifest symptoms immediately, and prompt medical evaluation can identify underlying issues. Seeking medical treatment creates documentation of your injuries, which is vital for filing an insurance claim.

Report the Incident
After ensuring your safety, report the rideshare accident to the appropriate authorities. Contacting law enforcement allows them to document the incident and create an official record. When reporting the accident, provide accurate details about what happened and cooperate fully with law enforcement officials.

Collect Relevant Information
Make sure to obtain driver details from all parties involved, including their names, contact information, and insurance information. Try to gather witness statements if bystanders witnessed the accident. Their testimonies can provide valuable evidence later on. To streamline this process, consider creating a checklist of all necessary information beforehand so that you don’t forget anything amidst the chaos of the situation.

Consult with an Experienced Personal Injury Lawyer
Navigating the legal complexities of a rideshare accident claim can be overwhelming without professional guidance. It’s highly advisable to consult with an experienced personal injury attorney who specializes in handling rideshare accidents in Florida.

A knowledgeable personal injury lawyer will assess your case, determine liability factors, gather evidence, negotiate with insurance companies, and advocate for your rights. They will ensure that you receive fair compensation for your injuries, damages, and pain and suffering caused by the accident.

After a rideshare accident in Florida, taking immediate steps to protect yourself is essential. This includes seeking medical attention for any injuries sustained and gathering evidence such as photographs and witness statements. Contacting law enforcement and reporting the incident is also recommended.
Remember that each case is unique, so it’s always advisable to consult with an experienced attorney who can guide you through the claims process and advocate for your rights.


Can I file a claim if I was injured as an Uber or Lyft passenger?
Yes. As an Uber or Lyft passenger injured in an accident in Florida, you have every right to file a compensation claim.

What should I do immediately after a rideshare accident?
After a Rideshare accident in Florida, prioritize your safety by seeking medical attention. Gather evidence, such as photos and witness statements, and contact law enforcement to report the incident.

How long do I have to file a claim after a rideshare accident?
The time limit for filing a claim after a rideshare accident in Florida can vary depending on the circumstances. It’s best to consult with an attorney who can guide you through any applicable deadlines.

What damages can I claim after a rideshare accident?
After a rideshare accident, you may be eligible to claim various damages, such as medical expenses, lost wages, property damage, pain and suffering, and more. Consulting with legal professionals will determine which damages apply to your case.

Should I hire an attorney for my rideshare accident claim?
While hiring an attorney for your rideshare accident claim is not mandatory, having legal representation can significantly improve your chances of receiving fair compensation. An experienced attorney will navigate the complex legal process on your behalf and advocate for your rights.

Peter A. Dyson, Esq


Peter Dyson is the managing partner of Dyson Law PLLC. Peter runs the day-to-day operations of the firm as well as actively litigates on behalf of clients...READ MORE

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