What’s Uber’s Insurance?

Uber’s insurance policy covers drivers and riders in crashes. If an Uber driver hits you in Florida, for example, their insurance kicks in, paying for bodily injury and property damage, such as medical bills or car repairs. The coverage shifts depending on the driver’s status—online, en route, or on a trip—which you can verify through the Uber app. This is especially important for Uber accident cases in Florida involving personal injury protection for riders.

How Does It Work in Florida?

Florida law requires rideshare protection, and Uber’s insurance complies. In a Fort Lauderdale Uber accident, for instance, it covers medical expenses up to $10,000 and compensates for others’ injuries or damages. Florida’s no-fault laws mean your car insurance applies first, but Uber’s policy steps in afterward. A car accident lawyer can guide you, using police reports and Florida statutes to build your case. Rideshare drivers must adhere to these rules.

What Levels Does Uber Offer?

Uber’s insurance has three tiers. When a driver is online but not on a trip, coverage is basic: $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage. When en route or picking up a passenger, it jumps to $1 million in liability, plus uninsured motorist coverage for rideshare services. During a trip, the $1 million limit remains. The crash timing is critical, as Uber treats drivers as independent contractors operating motor vehicles.

What If the Driver’s Uninsured?

If an Uber driver lacks personal auto insurance, Uber’s policy fills the gap. For example, if an at-fault driver has no coverage, Uber’s insurance or rideshare protection covers injury claims for riders or a loved one. Florida law offers additional safeguards, but proving this requires an accident attorney. Uninsured motorist cases can succeed with evidence from the Uber app, and a skilled claims team can fight when the driver’s personal insurance falls short.

Problems with Insurers

Insurance companies often resist Uber accident claims, questioning liability or medical needs to avoid payouts. A Fort Lauderdale Uber accident lawyer can help, using reports and insurance details to secure fair compensation for medical expenses or damages. The claims process can be slow, and Florida’s statute of limitations is two years, so acting quickly and seeking medical attention are crucial.

How Kaiser Romanello Fixes It

Kaiser Romanello specializes in Florida Uber accident cases. We understand Uber’s insurance coverage and fight insurers to recover compensation for bodily injury and property damage. Call 844-877-8679 for a free consultation after a Fort Lauderdale Uber crash. Our injury attorneys work fast, also handling Lyft accidents in West Palm Beach. Trust our accident report team to support accident victims.

A Quick Note

This isn’t legal advice—every case is unique. Speak to a personal injury lawyer for tailored options. Don’t hesitate after a crash; contact us in Miami, West Palm Beach, or Fort Lauderdale today.