Orlando Uber & Lyft Accident Attorneys

If you are a passenger involved in an Uber or Lyft accident, the question of fault and who is responsible for your injuries and damages depends on who was at fault for the accident. To prove that either the rideshare driver or the other vehicle’s driver is at fault means you, as the injured person, must prove that the person who caused the accident was negligent.

Negligence requires proof of the following:

1. The person who caused the accident owed a duty of reasonable care to operate his or her vehicle safely and follow all traffic laws;
2. The person who caused the accident breached that duty, meaning he or she failed to obey a traffic law or did not drive safely and carefully;
3. The passenger was injured and suffered damage as a result.

Since Florida is a no-fault state, drivers are required to carry personal injury protection (PIP) coverage. This insurance coverage is meant to cover your medical expenses and other non-medical related costs. However, if injuries and damages surpass the $10,000 PIP coverage, the injured party can seek payment from the negligent party’s insurance.

Filing an Insurance Claim in an Uber and Lyft Accident

If the rideshare driver was determined to be at-fault for the accident and your injuries meet or exceed the state standard for “serious injury,” you, as the injured passenger can file a claim against the rideshare company’s $1 million insurance policy.

Florida law views serious injuries as those that are permanent, involve significant and permanent scarring or disfigurement, or significant and permanent loss of a bodily function. Florida law requires rideshare drivers, specifically Uber, to carry $1 million in insurance to cover these exact types of accidents, covering both the driver and passengers who may be injured in a rideshare auto accident.

Uber offers the following breakdown of its insurance policy.

When the Uber app is turned OFF: In these instances, only the driver’s personal auto insurance can be used. As they are not technically on the job, Uber cannot be held responsible for damage caused in an accident.

When the Uber app is turned ON and the driver is available or waiting for a ride request: Both the driver’s personal insurance and Uber’s insurance coverage can be used, which includes up to $50,000 to $100,000 for injuries, and $25,000 for property damage.

When the Uber app is turned ON and the driver is in-route: The company’s commercial insurance coverage is provided, including up to $1 million in third-party responsibility and $1 million in uninsured or underinsured motorist coverage. Uber maintains the following auto insurance policy in the case of a covered accident:

• $1,000,000 third-party responsibility
• Uninsured/underinsured motorist bodily injury
• Contingent comprehensive and collision –Up to actual cash value of car with a $2,500 deductible (Effective 3/1/2021)

Know Your Legal Rights after an Uber / Lyft Auto Accident in Central Florida.

Florida law provides important protections for passengers and drivers who are injured in accidents involving Uber and Lyft rideshares. If you were seriously injured in an auto accident involving an Uber or Lyft ridesharing vehicle, you may be entitled to substantial compensation. These companies are required to carry additional insurance beyond the state’s minimum requirements. Keep track of your symptoms (both physical and mental) as they occur. If anything feels not normal or out of the ordinary, make sure you document that fact and inform your doctor. Do not sign off on any settlement initially offered by your insurance (or the other driver’s) insurance company, before speaking with an attorney, first. Abogado Hispano con experiencia en juicios sirviendo las necesidades legales de la comunidad de la Florida.