Coverage Limits with Uber and Lyft Insurance

Because of the overlap between personal and commercial vehicles in rideshare accident cases, both Uber and Lyft have laid out rules to govern when they are and are not liable. Even if a driver is always displaying trade dress (Uber/Lyft decals on their vehicle), these companies are only responsible for accidents caused by drivers who are on the job.

This means before you can file a claim, you’ll need to have proof the driver who hit you had their app open and was either searching for a fare, on their way to pick up a passenger, or transporting a passenger when the accident happened. Along with asking for the driver’s license information after a crash, you’ll want to check whether they were actively working and if so, take a picture of their app screen so you have the necessary information to bring a claim against Uber or Lyft. Both companies have tiered insurance coverage: The policy limits depend on what activity their driver was engaged in when the accident happened. 

If the Driver Had Their App Open and Was Waiting for a Fare to Come In, Uber and Lyft’s Insurance Will Cover:

• $50,000 per person/$100,000 per accident in bodily injury
• $25,000 in property damage

On the Other Hand, if the Driver Had Accepted a Fare and Was either en Route to Pick up a Passenger or Transporting Them to Their Destination, Uber and Lyft Both Cover:

• $1,000,000 per accident
• Damages caused by uninsured/underinsured motorists

Both companies specify their policies are excess insurance. This means if the driver has their own commercial coverage that will kick in for rideshare accidents, you must first exhaust this policy before you will be able to file an Uber or Lyft claim. Our Fort Lauderdale rideshare accident attorneys can help you figure out who should be handling your insurance claim and gather evidence to prove you should be covered by a commercial policy.

Who Can Recover Compensation After a Rideshare Accident?

Anyone who was injured in a rideshare accident that was not caused by them is eligible to file for compensation.

Filing a Claim as a Rideshare Passenger

Unless you were acting egregiously, as a rideshare passenger, it’s a fair bet you didn’t play a role in the accident. This is good news when it comes to filing and winning an injury claim. However, you will still need the evidence we mentioned above to show you were a passenger in a rideshare car during an accident. Be sure to take screenshots of your app that include the time and show your ride receipt.

As a rideshare passenger, Uber and Lyft will cover your damages if your car was hit by another driver who either does not have insurance or whose policy limits are too low to address your full claim. In other words, there’s no need to worry if you don’t have car insurance. No matter what happens, our Fort Lauderdale attorneys can help you figure out how to file a claim.

Drivers or Passengers in Other Vehicles

If you were in another car that was hit by a rideshare driver, you will not have an app to show the at-fault party was working for Uber or Lyft when the accident happened. If you don’t get evidence of the other driver’s working status at the scene, our car accident lawyers in South Florida can investigate the accident to make sure your claim reaches the right company.

Bicyclists, Pedestrians, and Other Road Users

Anyone who’s not in a vehicle when they’re hit is much more likely to sustain serious injuries in a car accident. This makes it especially important to maximize your compensation. Thankfully, both Uber and Lyft provide decent insurance—especially when their drivers are actively fulfilling a fare. We can help you put together a claim and protect your right to compensation.

How Can A Uber & Lyft Accident Attorney In Fort Lauderdale Help You?

A rideshare accident can be a traumatic experience, and receiving the professional help that you need is extremely important. Having an experienced South Florida accident lawyer by your side to help you after an Uber or a Lyft accident can work wonders when it comes to helping you receive the full compensation amount that you rightfully deserve. If you or a loved one was recently in a rideshare accident, don’t wait – let our reputable attorneys help you.

Some Ways That a Fort Lauderdale Rideshare Accident Attorney Can Help Include:

• Legal Guidance: Providing you with objective legal guidance
• Answers: Answering all of your questions and ensuring that you know all of the legal options available to you
• Compensation: Maximizing your compensation amount
• Negotiation: Effectively negotiating with insurance companies on your behalf
• Evidence: Gathering evidence that will help to support your claim
• Paperwork: Taking care of all of the paperwork that is required for your rideshare accident case
• Mistakes: Your lawyer will help to ensure that all costly mistakes that may delay the process are avoided
• Representation: Your attorney will let you know whether it’s in your best interests to take your case to court in order to further maximize your compensation amount. If that is the case, he or she will be there to fiercely represent you and fight for a favorable settlement.

Contact our legal professionals at Schlesinger Law Offices, P.A. to schedule a free consultation with our Uber and Lyft accident lawyers in Fort Lauderdale, and to learn more about what we can do to help you during this challenging time. When you work with our attorneys, you are not only working with legal experts who have years of experience in helping individuals receive compensation after car accidents, but you are also working with people who truly care about your unique case.

Serving Uber and Lyft Accident Victims Across Florida

Receiving fair compensation in an insurance claim is never easy, but when you’re fighting against a big corporation like Uber or Lyft, you can expect above-average pushback. These companies have large in-house legal teams whose job is to decrease liability, even if that means unfairly arguing you were partially to blame for an accident or claiming you’re overstating your damages. Attempting to negotiate a settlement without legal help could result in you recovering much less than your injuries will actually cost.

Our South Florida personal injury team is known for aggressively fighting for our clients, no matter who is on the other side. We’ve received multi-million dollar wins for car accident victims and have even been behind record-setting verdicts. When your health and future are on the line, you need a team that will do everything it can for you. Schlesinger Law Offices, P.A. wants to help you understand your rights and options if you’ve been seriously injured.

Suggested Reading:

• Rideshare Driver Requirements in Florida
• Rideshare vs. Non-Rideshare Liability
• Uber Lawsuit Seeks $63 Million After Rideshare Accident Leaves Passenger Paralyzed