Rideshare services like Uber and Lyft have transformed the way we travel. Nowadays, they make transportation more convenient and accessible for people. Unfortunately, they are not immune to accidents, and if you’re involved in a rideshare accident in Florida, figuring out who is liable can feel overwhelming. This uncertainty may add stress to an already traumatic experience. Below, we’ll explore liability in these cases and how you can seek the compensation you deserve.
Understanding Florida’s Rideshare Laws
Florida law has specific requirements for rideshare companies (classified as transportation network companies or TNCs). These companies are required to carry insurance coverage that protects both passengers and third parties, but liability in accidents isn’t always straightforward. Variables such as the status of the rideshare driver and the actions of other parties can complicate the process.
Insurance Coverage for Rideshare Drivers
- When the driver is OFF the app
If the rideshare driver is not signed into the app at the time of the accident, they are considered a private driver. This means only their personal auto insurance applies, and neither Uber nor Lyft provides coverage.
- When the driver is ON the app but hasn’t accepted a ride
Once the driver is logged into the app but hasn’t accepted a ride request, Uber and Lyft typically provide limited coverage of:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
- When the driver is ON the app and transporting a passenger or en route to pick up a passenger
During this period, rideshare companies provide up to $1 million in liability coverage. This is the highest level of coverage and is intended to protect passengers and others impacted by the driver's actions.
Understanding which coverage applies to your case is crucial. This distinction determines who is ultimately responsible for providing financial compensation for your injuries, property damage, and other losses.
Who Can Be Held Liable?
Liability in a rideshare accident extends beyond the question of whether the rideshare driver or another party caused the crash. Here’s who may be held responsible:
- The Rideshare Driver
If the driver is at fault and the accident occurred while they were active on the app, their insurance or the rideshare company’s insurance may come into play depending on their status at the time.
- Uber or Lyft
Florida law mandates that companies like Uber and Lyft carry liability insurance for their active drivers. However, it’s important to understand that these companies often deny direct liability, claiming that drivers are independent contractors, not employees.
- Other Drivers
If another driver’s negligence caused the accident—for example, by running a red light or driving recklessly—that driver’s insurance should be held liable for covering damages.
- Other Third Parties
Liability may fall on third parties in some cases. For instance, a local government could be responsible for an accident caused by poor road maintenance, or a vehicle manufacturer could be held liable for a defect that contributed to the crash.
Challenges Filing a Claim
Pursuing compensation after a rideshare accident can be complex. Rideshare companies often try to shift blame onto drivers or other parties, and insurance companies may attempt to minimize payouts. This leaves accident victims caught in a web of bureaucracy when they should be focusing on their recovery.
Victims may face the following challenges:
- Determining which party is responsible for compensation
- Interpreting complex insurance policies
- Dealing with insurance adjusters or rideshare companies that prioritize their bottom lines over your well-being
Steps to Take After a Rideshare Accident
If you’ve been involved in a rideshare accident in Florida, here’s how to protect your rights:
- Seek Medical Attention
Your health and safety come first. Always get checked for injuries, even if they seem minor at first.
- Report the Accident
Inform the police, the rideshare company, and your own insurance provider of the incident. Detailed documentation is essential.
- Gather Evidence
Collect information from the rideshare driver, other drivers, and any witnesses. Photos of the accident scene, damaged vehicles, and injuries can also be incredibly valuable.
- Consult an Attorney
An experienced personal injury attorney can help you determine liability, negotiate with insurance companies, and recover the maximum compensation you’re entitled to.
A Compassionate Team to Guide You
Rideshare accidents come with unique complexities, but you don’t have to face them alone. At Raposo & Lukacs, we’ve helped numerous car accident victims throughout Florida secure the compensation they need to rebuild their lives. Our compassionate team understands the challenges you’re facing, and we’re here to guide you every step of the way.
If you or a loved one has been injured in a rideshare accident, reach out to us now. Together, we’ll ensure your voice is heard and your rights are protected.
Schedule a free consultation with us today at (305) 575-2177.