- Why Coconut Creek Lyft Crash Victims Call Kaiser Romanello
- Where Coconut Creek Lyft Crashes Happen
- Lyft's Insurance Depends on the App
- No-Fault, PIP & the Injury Threshold
- Fault & Comparative Negligence
- Compensation You May Recover
- Florida's Two-Year Deadline
- Coconut Creek Lyft Accident FAQ
- Talk to a Coconut Creek Rideshare Lawyer
By Lorne Kaiser & Steven Romanello, Kaiser Romanello, P.A. — Florida rideshare accident attorneys serving Coconut Creek & Broward County · Lorne Kaiser, FL Bar No. 0568491 · Steven Romanello, FL Bar No. 557277 · Last reviewed: October 2026 · No fee unless we win
After a Lyft crash in Coconut Creek, how much insurance is available depends on what the driver was doing in the app. While carrying a rider or heading to a pickup, Florida's rideshare law requires $1,000,000 in coverage; with the app on but no ride accepted, a smaller contingent policy applies; and with the app off, only the driver's personal insurance is in play. Your role — passenger, other motorist, cyclist, or pedestrian — also affects which policy responds. Kaiser Romanello, P.A. handles Coconut Creek Lyft claims on a contingency fee — no fee unless we recover. Free 24/7 review: (844) 877-8679.
Why Coconut Creek Lyft Crash Victims Call Kaiser Romanello
A Lyft crash brings more insurers to the table than an ordinary wreck — a large commercial policy, Lyft's own coverage, the driver's personal insurer, and sometimes another driver's carrier — and each has a reason to point responsibility elsewhere. Figuring out which policy applies, and holding it to account, is where the right firm makes the difference.
Kaiser Romanello, P.A. represents passengers, other motorists, cyclists, and pedestrians hurt in Lyft and Uber crashes across Coconut Creek and Broward County. Founding partners Lorne Kaiser and Steven Romanello handle cases personally and are trial attorneys prepared to go before a Broward County jury when an insurer won't pay fairly. Our fee is contingent — nothing to begin, and no fee unless we recover for you.
Where Coconut Creek Lyft Crashes Happen
Coconut Creek's mix of highway commuters, shopping and dining traffic, and late-night trips keeps Lyft vehicles on the road around the clock. We regularly handle rideshare crashes on and around:
- Florida's Turnpike and the Sawgrass Expressway — high-speed merging and rear-end collisions at the Coconut Creek Parkway and Wiles Road interchanges.
- Lyons Road, Hillsboro Boulevard, Sample Road, and Wiles Road — the busy arterials where turning and intersection crashes are most common.
- State Road 7 (US-441) and Coconut Creek Parkway — heavy commercial corridors along the city's edges.
- The Promenade at Coconut Creek and Seminole Casino Coconut Creek — restaurant, retail, and late-night destinations with constant pickups and drop-offs, where impaired and distracted driving raise the danger.
Serious injuries in the area are often treated at Broward Health North or Northwest Medical Center in nearby Margate. Injury lawsuits are filed in the Seventeenth Judicial Circuit Court for Broward County — we handle the filings, deadlines, and evidence preservation so you can focus on recovery.
Lyft's Insurance Depends on the App
This is the pivotal issue in a rideshare claim. Florida's transportation-network-company law (Fla. Stat. § 627.748) ties the available coverage to which "phase" the driver was in at the moment of the crash — and it applies to Lyft and Uber alike:
Phase 1 — app off
If the driver was not logged in, the crash is treated like any private wreck — only the driver's own auto policy is available.
Phase 2 — logged in, no ride accepted
Once the app is on but no trip has been accepted, Florida requires contingent coverage of $50,000 per injured person / $100,000 per crash, plus $25,000 in property damage.
Phase 3 — trip accepted or passenger aboard
From the moment the driver starts toward the pickup through drop-off, the full $1,000,000 rideshare policy is in force — the phase that offers the most protection to anyone hurt in the crash.
Because the answer lives in trip data Lyft controls, securing that evidence early is essential. An attorney can send preservation letters before the records are lost.
No-Fault, PIP, and the Injury Threshold
Florida's no-fault system still governs rideshare crashes involving cars.
PIP comes first (Fla. Stat. § 627.736). The first $10,000 of your treatment and lost wages is paid by no-fault coverage — your own, or, if you don't own a car, the PIP on the vehicle you were in or a household relative's policy — as long as you see a doctor within 14 days. Our guide to Florida's 14-day PIP rule explains the deadline that traps people who "walk it off."
Going beyond that $10,000 to recover pain and suffering from the at-fault party requires meeting the serious-injury threshold (§ 627.737). A Lyft passenger is almost never blamed for the crash, so a passenger's claim usually comes down to the insurers arguing over which policy pays — not over what you did.
Fault and Florida's Comparative Negligence Rule
If you were another motorist, cyclist, or pedestrian, expect the insurers to argue you share the blame, because in Florida your percentage of fault directly reduces your recovery.
Modified comparative negligence (Fla. Stat. § 768.81). Your award is reduced by your share of fault, and under HB 837 (effective March 24, 2023) anyone found more than 50% at fault recovers nothing. Early, independent investigation — the crash report, Lyft's trip data, surveillance and dashcam footage, and witness statements — is what keeps fault where it belongs.
Compensation in a Coconut Creek Lyft Accident Claim
Depending on your injuries and which coverage applies, a rideshare claim may seek:
- Medical expenses — emergency care, hospitalization, surgery, rehabilitation, and future treatment.
- Lost wages and lost earning capacity — income missed now and the long-term effect on your ability to work.
- Pain and suffering — physical pain, emotional distress, and loss of enjoyment of life, once the serious-injury threshold is met.
- Property damage, and where gross negligence such as drunk driving is involved, punitive damages.
- Wrongful death damages — for families who have lost a loved one, including loss of support, companionship, and funeral costs.
For a plain-English look at what drives the value of a rideshare claim, see our guide on how much a Florida car accident case is worth. Every case turns on its own facts, injuries, and available insurance. Prior results do not guarantee a similar outcome.
Florida's Two-Year Filing Deadline
Two years. Under Fla. Stat. § 95.11 — as shortened by HB 837, effective March 24, 2023 — most Florida rideshare accident claims must be filed within two years of the crash. But Lyft's app and trip data should be preserved long before that deadline. More detail: Florida's 2026 statute of limitations update.
Key Takeaways
- Lyft's available insurance depends on the driver's app phase — up to $1,000,000 while carrying or heading to a rider (Fla. Stat. § 627.748).
- Your role — passenger, driver, cyclist, or pedestrian — affects which policy responds; passengers are almost never at fault.
- PIP pays your first $10,000 regardless of fault if you treat within 14 days; pain and suffering requires meeting the serious-injury threshold.
- Florida's 50% comparative-negligence bar (HB 837) means fighting the insurer's blame narrative matters.
- The filing deadline is generally two years, but trip data must be preserved far sooner.
Hurt in a Coconut Creek Lyft Crash?
Find out which coverage applies and what your claim is worth — free, confidential, and available 24/7. No fee unless we win.
Request a Free Case Review →Coconut Creek Lyft Accident FAQ
I was a passenger in a Lyft that crashed. Who pays?
Because the driver was on a trip, Lyft's $1,000,000 coverage generally applies — and as a passenger you are almost never at fault. Your own PIP still pays the first $10,000 of medical bills if you treat within 14 days.
A Lyft driver hit my car in Coconut Creek. What coverage is available?
It depends on the driver's app status at the moment of impact — the personal policy only if the app was off, roughly $50,000/$100,000 if the app was on and waiting, or $1,000,000 if the driver was heading to or carrying a rider. We obtain the trip data to confirm which applies.
Does the same rule apply to Uber?
Yes. Uber and Lyft both operate under Florida's transportation-network-company law (§ 627.748), so the same tiered coverage structure applies to each.
How long do I have to file a Coconut Creek Lyft accident claim?
Generally two years from the date of the crash under Fla. Stat. § 95.11 (as amended by HB 837 in 2023). Lyft's trip data should be preserved long before then, so it's best to speak with an attorney early.
How much does a Coconut Creek Lyft accident lawyer cost?
Nothing up front. We work on a contingency fee, so you pay a fee only if we recover compensation for you. The consultation is free and available 24/7.
Talk to a Coconut Creek Rideshare Accident Lawyer
If you or a loved one was injured in a Coconut Creek Lyft or Uber crash, reach out for a free, confidential case review. We are available 24 hours a day, 7 days a week, and there is no fee unless we win your case. Call or text (844) 877-8679, or request a free case review.
By Lorne Kaiser, Esq. (FL Bar No. 0568491) and Steven Romanello, Esq. (FL Bar No. 557277), founding partners of Kaiser Romanello, P.A. This page is legal information, not legal advice, and does not create an attorney-client relationship; every case is different and depends on its specific facts, and coverage varies by policy. Prior results do not guarantee a similar outcome. Kaiser Romanello, P.A., 11555 Heron Bay Boulevard, Suite 200, Parkland, FL 33076 — (844) 877-8679.
Lorne Kaiser, Esq.
Florida Bar No. 0568491 | Co-Founder, Kaiser Romanello Accident & Injury Attorneys
Lorne Kaiser is a plaintiff's personal injury attorney with over 25 years of experience fighting for injured victims across Broward and Palm Beach County. He co-founded Kaiser Romanello Accident & Injury Attorneys with a simple mission: We Don't Take "Low" For an Answer™.
Read Full Bio →Recent Victories for Clients
$5 Million
Negligent Security
$4 Million
Truck Accident
$1 Million
Ride Share
$1 Million
Car Accident
“Kaiser Romanello changed my life. They are The Dream Team! Could not recommend them anymore! Call Kaiser Romanello today!”

-Lu R
Former client
“l just got off the phone with Mr. Loren Kaiser for a free consultation and he was absolutely amazing. He was extremely helpful, detail oriented and did not add any “rushed” feeling to the phone call. If I have anything substantial to move forward with, I will proudly utilize this law office. Thank you, Mr. Kaiser, for your help, input and advice! It is greatly appreciated.”

-Trina R
Former client
“Steve and his partner are just very knowledgeable, amazing client service, Steve it is the kind of persons who loves what he is doing, he went about and beyond his lawyer responsibilities in my case, they care about you. You feel like part of the family. Thanks for everything, God bless you.”

-Carlos V
Former client