Uber & Lyft Accident Injury Claims: What Riders and Drivers Should Know

Millions of rides happen every day in Florida, and accidents involving Uber and Lyft vehicles raise insurance questions that don't come up in a typical car accident claim.

Coverage depends on the driver's app status

Rideshare companies carry large commercial insurance policies, but the amount of coverage available changes based on what the driver was doing at the moment of the crash:

• App off: Only the driver's personal auto insurance applies.
• App on, waiting for a ride request: Limited contingent coverage from the rideshare company applies.
• En route to pick up or during a trip: The company's full commercial policy typically applies, which is usually substantial.

If you were a passenger

Passengers injured during an active trip are generally covered under the rideshare company's commercial policy, which provides significant coverage for injuries.

If you were another driver or a pedestrian

If a rideshare driver caused your accident while using the app, you may have a claim against the applicable insurance coverage, whether that's the driver's personal policy or the company's commercial policy depending on their app status.

If you were the rideshare driver

Drivers injured by another negligent driver can pursue a claim just like any other driver, though their own coverage situation may also come into play depending on the circumstances.

Why these claims often need legal help

Sorting out which policy applies, and dealing with large insurance companies that handle these claims regularly, is often easier with an attorney who understands how rideshare coverage works.