A Florida Uber accident can confuse you—who covers the costs? The driver, Uber, or insurance? Understanding liability and coverage empowers you post-crash. This guide simplifies it. A Boca Raton Uber accident lawyer from Kaiser Romanello ensures you get fair compensation.

Florida’s No-Fault Law Basics

Florida’s no-fault system means your personal injury protection (PIP) insurance pays medical expenses, regardless of fault. Rideshare accidents, like Uber crashes, complicate this—coverage shifts with the driver’s status.

Uber’s Insurance Rules

Florida law mandates insurance for rideshare companies like Uber. Coverage depends on the driver’s activity:

• Offline Uber Driver: Their personal auto insurance applies, but many policies exclude commercial use, creating gaps.
• Waiting for a Ride Request: Uber provides liability coverage—$50,000 per person for bodily injury, $100,000 per accident, $25,000 for property damage.
• En Route or With a Passenger: Uber’s $1 million liability insurance kicks in, covering injuries and vehicle damage.

The driver’s status at the time of the accident defines your claim.

Uber vs. Lyft Insurance

Uber and Lyft offer similar coverage in Florida. Uber may edge out with stronger uninsured motorist protection, while Lyft’s property damage terms might vary. As independent contractors, drivers’ personal insurance often falls short, shifting reliance to company policies.

Other Drivers Involved

If another motorist causes the accident, their insurance pays first. If uninsured—a common Florida issue—Uber’s motorist coverage or your own insurance steps in, especially in Boca Raton.

Paying for Medical Costs

PIP covers up to $10,000 in medical expenses if you seek care within 14 days, with records linking injuries to the crash. Larger bills require pursuing the at-fault party or Uber’s insurance via personal injury claims.

Handling Property Damage

PIP excludes property damage. Use the at-fault driver’s or Uber’s policy instead. Evidence like police reports and photos from the scene strengthens your claim.

Dealing with Insurance Companies

Uber’s $1 million policy sounds solid, but insurers—Uber’s, Lyft’s, or the driver’s—resist payouts. They might claim the driver was offline or shift blame. Solo claims often falter.

Why Hire a Car Accident Lawyer

A car accident lawyer masters Florida statutes and Uber’s tactics. They leverage medical records and evidence to secure medical expenses and more. Kaiser Romanello offers a free consultation to assess your case.

When to Call Us

Contact us immediately after a serious Uber or Lyft crash. An accident attorney negotiates with insurers and meets the statute of limitations. Our free case evaluation maps your next steps.

Take Control Today

Who pays hinges on the driver’s status, Uber’s policy, and crash specifics. PIP starts with medical costs; bigger accidents demand Uber claims or at-fault party pursuit. Don’t let insurers prevail—call Kaiser Romanello at 844-877-8679 for a free consultation. We fight for what’s yours.

Disclaimer

This isn’t legal advice—cases differ. Consult a personal injury lawyer for your Florida Uber needs.