You’re riding as an Uber or Lyft passenger when your driver causes an accident or another vehicle strikes your rideshare. Passenger injury claims are typically covered, but insurance companies still fight to minimize payouts.
Hit by Uber or Lyft Driver
A rideshare driver strikes your vehicle, hits you as a pedestrian, or collides with you while cycling. Coverage depends on whether the driver had the app on and if they had a passenger.
You’re an Uber or Lyft driver injured in an accident while transporting passengers or waiting for ride requests. Workers’ compensation typically doesn’t cover rideshare drivers, complicating your claim.
Pickup and Dropoff Accidents
Accidents occurring while passengers enter or exit rideshare vehicles on busy Boynton Beach roads. Doors opening into traffic or passengers struck while crossing streets.
Driver’s personal auto insurance applies. Most personal policies exclude commercial use, leaving gaps in coverage.
Period 1: App On, Waiting for Request
Uber/Lyft provides limited liability coverage ($50,000 per person, $100,000 per accident). Contingent collision coverage only if driver has it. Understanding these coverage gaps is crucial, similar to traditional car accident claims.
Period 2: Request Accepted, En Route to Passenger
Uber/Lyft provides $1 million liability coverage plus uninsured/underinsured motorist coverage and collision coverage.
Period 3: Passenger in Vehicle
Full $1 million Uber/Lyft liability coverage, plus uninsured/underinsured motorist and collision coverage.
Boynton Beach Office:
1501 Corporate Drive, Suite 100 #A20
Boynton Beach, Florida 33426
We serve rideshare accident victims throughout South Florida with offices in Delray Beach, Boynton Beach, Wellington, Palm Beach Gardens, and Boca Raton.
