Hurt in an Uber or Lyft Crash?

Rideshare crashes raise one big question: whose insurance pays? The answer depends on what the rideshare app showed at the moment of the crash. An independent licensed Florida attorney can help sort out the layers of coverage.

The coverage periods

Florida law (section 627.748) sets minimum insurance for transportation network companies. Roughly:

Florida law (section 627.748) sets minimum insurance for transportation network companies.

• App off: the driver's personal policy applies.
• App on, waiting for a ride request: lower contingent liability limits apply.
• Ride accepted or passenger on board: at least $1 million in liability coverage, plus UM coverage, applies.

PIP rules still apply, so injured passengers usually look first to their own household PIP.

Who may be injured

Passengers, the rideshare driver, occupants of another car, pedestrians and cyclists can all have claims after a rideshare collision. Nightlife areas such as Wynwood, Brickell, South Beach and Downtown see a high volume of pickups and drop-offs, along with sudden stops and U-turns.

What to save

• Screenshots of the trip receipt and the driver's name and plate
• The time of the crash and the app status, if you are the driver
• Photos of all vehicles and the scene
• Any in-app incident report you submitted

Related: Florida PIP Guide · What to Do After a Car Accident · Car accidents