Who Pays for an Uber Accident in Florida? Understanding Liability and Insurance

Kaiser Romanello Accident & Injury Attorneys
Phone Number: 844-877-8679

A Florida Uber accident can puzzle you. Who pays? The Uber driver, rideshare companies, or insurance? It’s tough. However, knowing liability and insurance coverage helps you take charge after an auto accident. So, this guide explains it simply. Plus, a Boca Raton Uber accident lawyer from Kaiser Romanello fights for the compensation you deserve.

Florida’s No-Fault Law Basics

First, Florida uses a no-fault system. Your personal injury protection (PIP) insurance pays medical expenses after a car accident. It works no matter who’s at fault. Yet, rideshare accidents like Uber crashes mix things up. Why? Because the rideshare driver’s status changes the insurance policy.

Uber’s Insurance Rules

For instance, Florida law sets insurance requirements for rideshare companies like Uber and Lyft. Thus, Uber’s insurance policy shifts with the driver’s status:

Offline Uber Driver

If the Uber driver isn’t on the Uber app, their personal auto insurance covers the car accident. But many personal auto insurance policies skip commercial use. So, this leaves gaps.

Waiting for a Ride Request

When the Uber driver’s on the rideshare app but waiting for a ride request, Uber offers liability coverage. Specifically, it’s $50,000 per person for bodily injury. Also, it’s $100,000 per accident and $25,000 for property damage.

En Route or With a Passenger

Once en route or with a passenger in the Uber vehicle, Uber’s $1 million liability insurance starts. It covers accident injuries and vehicle damage for this rideshare accident. Therefore, the driver’s status at the time of the accident shapes your accident claim.

Uber vs. Lyft Insurance

Next, compare Uber and Lyft. Both rideshare companies offer similar insurance coverage in Florida. However, Uber might give better uninsured motorist coverage. Meanwhile, Lyft’s could differ on property damage claims. Since rideshare drivers are independent contractors, their personal auto insurance often fails. Then, the company’s insurance takes over.

Other Drivers Involved

Suppose another motorist causes the Florida Uber accident. Their insurance company pays first. Yet, if they’re uninsured—a big Florida problem—Uber’s motorist coverage or your fault insurance steps in. This happens often in Boca Raton.

Paying for Medical Costs

After a Florida car accident, medical expenses grow fast. Initially, PIP insurance covers up to $10,000 if you get medical attention within 14 days. Medical records tie injuries to the crash. But for bigger medical bills, chase the at-fault party or Uber’s insurance with personal injury claims.

Handling Property Damage

PIP doesn’t cover property damage. Instead, rely on the at-fault driver or Uber’s policy. So, gather evidence—like a police report and photos—at the accident scene. This helps your accident claim a lot.

Dealing with Insurance Companies

Uber’s $1 million sounds good. Still, insurance companies (Uber’s, Lyft’s, or the driver’s) fight payouts. For example, they might say the Lyft driver was offline. Or they blame you. As a result, solo insurance claims can fail.

Why Hire a Car Accident Lawyer

That’s why a Boca Raton car accident lawyer helps. They know Florida statutes and Uber’s tricks. Plus, they use medical records and evidence to win your medical expenses and more. Kaiser Romanello offers a free consultation to check your accident cases.

When to Call Us

When do you call? Right after a serious Lyft accident or Uber crash. An accident attorney or injury attorney digs into it. They talk to the insurance company and meet the statute of limitations. During our free case evaluation, we’ll plan your next steps.

Boca Raton’s Uber Challenges

Boca Raton sees many Uber accidents and Lyft crashes. Why? Busy roads and tourists. Consequently, our local Uber accident lawyers shine in rideshare services cases.

Take Control Today

In short, who pays depends on the rideshare driver, Uber’s insurance policy, and crash details. First, PIP helps with medical costs. Then, big rideshare accidents need Uber accident claims or the at-fault party. Don’t let insurers win. Instead, call Kaiser Romanello’s Boca Raton accident lawyer at 844-877-8679 for a free consultation. We’ll fight for what you deserve.

Disclaimer

This isn’t legal advice. Each case varies. So, seek a personal injury lawyer for your Florida Uber needs.