Florida’s No-Fault Insurance

Because FL is a no-fault state, regardless of which party caused the accident, you will file a claim through your insurer under your Personal Injury Protection coverage. PIP insurance covers a portion of medical bills and lost wages. While this insurance can cover a portion of your medical bills, the coverage may not be enough if you sustained a life-changing injury.

If you meet the state’s serious injury threshold, you may be entitled to additional compensation. To pursue additional compensation for your accident-related losses, you can file a claim against the negligent driver’s insurance company, or you can file a claim against Uber or Lyft. Determining who should be held liable for your damages can be complicated, which is why it’s important to contact a Bonita Springs Uber and Lyft accident lawyer at Parker Waichman LLP as soon as possible.

Uber and Lyft Rideshare Insurance

For insurance purposes, the Uber or Lyft driver’s status falls into three categories. The driver’s status at the time of the accident determines whether Lyft or Uber’s insurance coverage applies and the coverage available.

Transporting a Passenger

Lyft and Uber provide the highest coverage in accidents where the rideshare driver is actively transporting a passenger. Each rideshare company offers up to $1 million in third-party liability coverage. If you were involved in a collision while you were riding in an Uber or Lyft vehicle, or your case was involved in an accident with a rideshare driver who was transporting a passenger, you can pursue a claim through the rideshare company’s insurance.

The Rideshare Driver is Logged into the App

If the Uber or Lyft driver was not transporting a passenger at the time of the car crash but was active on the app, you can still receive some insurance coverage through the rideshare company.

In this situation, companies offer the following coverage:

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

The Rideshare Driver is Not Logged into the App

If the rideshare driver is not logged into the app and they’re using their vehicle for personal reasons and you are involved in an accident with them, the rideshare company’s insurance policy will not apply. In this situation, you will need to pursue compensation through the driver’s auto insurance if you meet the serious injury threshold.

Understanding Rideshare Accident Liability

A rideshare driver is not considered an employee of the ridesharing company. Instead, these drivers are classified as independent contractors, which makes determining fault more challenging.

Factors that will determine liability include:

Cause of the Motor Vehicle Collision

If the rideshare driver was acting negligently and their negligence resulted in the accident and your injuries, they will be held liable.

Uber and Lyft’s Screening Process

If the rideshare driver had a concerning background history when they were hired, the ridesharing company can be held partially responsible.

If you’re not sure who should be held liable for your car crash, speak with an Uber and Lyft accident lawyer on our legal team as soon as possible. They can review your case and advise you of your legal options.

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If you or a loved one has been injured in an accident or have been injured by another party in some other way, we are here to stand up for your rights. Our personal injury attorneys have been representing injury victims and their families in Long Island and throughout the nation since the early 1980s.

What Damages Can I Recover After a Lyft or Uber Accident?

You may be able to recover the following types of compensation after an accident with a rideshare vehicle:

  • Past and future medical bills
  • Loss of wages, benefits, and earnings
  • Loss of future earnings
  • Personal property damage
  • Physical pain and suffering
  • Emotional distress
  • Wrongful death

And more.

What Are Common Causes of Uber and Lyft Accidents?

Uber and Lyft accidents can occur for many reasons, from distracted driving to long hours on the road that lead to drowsy or fatigued drivers.

Below are some of the common causes of rideshare accidents in Bonita Springs, FL:

  • Distracted driving
  • Heavily relying on navigation devices or paying attention to the rideshare app while driving
  • Long hours on the road can result in drowsy driving
  • Speeding
  • Reckless driving
  • Driving under the influence of drugs or alcohol
  • Poor road conditions
  • Failure to obey traffic laws
  • Inexperienced drivers
  • Following too closely in heavy traffic conditions

What is the Statute of Limitations in FL?

You will have two years from the date of the accident to pursue compensation in court. If you fail to meet this important deadline, your case may be dismissed. If this happens, you will be unable to pursue compensation for your accident-related losses. When you hire an Uber and Lyft accident attorney at Parker Waichman LLP, they will handle every aspect of your accident case, including ensuring a lawsuit is filed correctly and within the statute of limitations.

Contact Us Today

If you were involved in a rideshare accident, contact Parker Waichman LLP today to schedule a free consultation. An experienced Uber and Lyft accident lawyer on our legal team can meet with you to discuss your legal rights and options and help you pursue compensation from the negligent driver and other liable parties. Contact us today to learn more.
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