Rideshare Accidents in Florida: Who Is Liable When You Are Injured?

Rideshare Accidents in Florida: Who Is Liable When You Are Injured?

With the increasing popularity of rideshare services like Uber and Lyft, more people than ever are relying on these platforms for transportation. While they offer convenience and affordability, rideshare accidents present unique legal challenges that differ from traditional car accident claims. Understanding liability in these situations is critical for anyone injured while using or encountering a rideshare vehicle in Florida.

The Complexity of Rideshare Accident Liability

According to a survey, one third of all rideshare drivers have been in an accident on the job. One of the most complex elements of a rideshare accident is determining who is responsible. Unlike traditional accidents where only the involved drivers and their insurance companies are considered, rideshare accidents may involve multiple parties, including:

• The rideshare driver
• The rideshare company (Uber or Lyft)
• Other drivers involved in the accident
• Insurance providers from all parties

The key factor in determining liability often comes down to whether the rideshare driver was “on the clock” at the time of the accident.

The Driver’s Status Matters

Rideshare companies categorize their drivers’ activity into three main periods:

1. Driver is not logged into the app: The driver is considered off-duty, and any accident that occurs is treated like a typical car accident. The driver’s personal auto insurance is the primary coverage.
2. Driver is logged into the app but has not accepted a ride: The rideshare company provides limited liability coverage. Uber and Lyft generally offer up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage. Note these coverages can change.
3. Driver is en route to pick up a passenger or has a passenger in the vehicle: This is when the rideshare company’s commercial insurance policy applies. These policies typically include $500,000 to up to $1 million in liability coverage. Note these coverages can change.

Knowing the driver’s status at the time of the incident is essential for determining which insurance policy is responsible for covering the damages.

Passengers Have Legal Rights

If you are a passenger injured in a rideshare vehicle, you are likely covered under the company’s commercial insurance policy. This includes coverage for medical expenses, pain and suffering, and lost wages. However, insurance companies do not always make it easy to collect full compensation, and it often requires the assistance of a qualified personal injury attorney.

Pedestrians and Other Drivers

If you are a pedestrian or another driver hit by a rideshare vehicle, your legal options will vary depending on the driver’s status. If the driver was on the clock, the rideshare company’s insurance may apply. If not, the driver’s personal insurance policy may be your only recourse. In some cases, multiple claims may be necessary to ensure you receive full compensation.

Filing a Personal Injury Claim

Filing a claim after a rideshare accident in Florida can be complicated due to overlapping policies and the potential for disputed liability. It is vital to collect as much evidence as possible, including police reports, witness statements, and medical records. Working with an attorney can help clarify your options and increase your chances of receiving fair compensation.

Why Legal Representation Is Essential

Rideshare companies have legal teams and insurance adjusters working to minimize payouts. Navigating these cases without professional legal help can result in a significantly lower settlement than what you deserve. A skilled attorney can help identify all liable parties, manage negotiations, and represent you in court if necessary.

If you or someone you know has been injured in a rideshare accident, seek legal advice promptly. Understanding your rights and the coverage available is the first step toward recovering physically, emotionally, and financially.

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