Rideshare services like Uber and Lyft have become a popular way to get around Port Charlotte. While convenient, these services are not immune to accidents. Injuries sustained in a rideshare accident can lead to confusion about who is responsible for covering medical bills, lost wages, and other damages.

At FGB Law, we have extensive experience assisting clients injured in Uber or Lyft accidents. This article outlines how rideshare accidents are handled in Florida, the insurance coverages involved, and the steps you should take to protect your rights.

Understanding Rideshare Insurance Coverage

Rideshare companies like Uber and Lyft provide specific insurance coverages based on the driver’s status at the time of the accident. It’s essential to understand these phases to determine whose insurance applies.

1. App Off

  • When the driver is not using the rideshare app, their personal auto insurance is the only applicable coverage.

2. App On, No Passenger

  • When the driver has the app on and is waiting for a ride request, Uber and Lyft provide:
    • $50,000 per person for bodily injury
    • $100,000 per accident for bodily injury
    • $25,000 for property damage

3. En Route to Pick Up or Transporting a Passenger

  • Once a ride is accepted or a passenger is in the vehicle, Uber and Lyft provide:
    • $1 million in third-party liability coverage
    • Uninsured/underinsured motorist (UM/UIM) coverage
    • Contingent comprehensive and collision coverage (if the driver has these coverages on their personal policy, with a $2,500 deductible)

Liability in Rideshare Accidents

Determining liability in a rideshare accident can be complicated. The following parties may be responsible, depending on the circumstances:

1. The Rideshare Driver

  • If the driver caused the accident due to negligence, their personal insurance or the rideshare company’s coverage will apply.

2. Another Driver

  • If another driver is at fault, their insurance should cover damages.

3. The Rideshare Company

  • Uber and Lyft are typically not liable for accidents because their drivers are classified as independent contractors. However, their insurance policies may still apply depending on the driver’s status.

Steps to Take After a Rideshare Accident

If you’re injured in an Uber or Lyft accident, following these steps can protect your health and legal rights:

1. Seek Medical Attention

  • Always prioritize your health. Even if injuries seem minor, see a doctor immediately to ensure no hidden complications.

2. Report the Accident

  • Call the police to file an official report. This will be critical for your claim.
  • Notify Uber or Lyft through their app to report the accident.

3. Gather Evidence

  • Take photos of the accident scene, vehicle damage, and your injuries.
  • Collect contact information from witnesses, the rideshare driver, and any other parties involved.

4. Avoid Speaking to Insurance Adjusters Without Legal Representation

  • Insurance companies may try to minimize your claim. Consult an experienced attorney before providing any statements.

5. Consult a Rideshare Accident Attorney

  • A skilled attorney can investigate the accident, identify liable parties, and pursue the compensation you deserve.

Common Injuries in Rideshare Accidents

Rideshare accidents can lead to a wide range of injuries, including:

  • Whiplash: Common in rear-end collisions.
  • Head Injuries: Concussions or traumatic brain injuries (TBIs) may occur.
  • Spinal Cord Injuries: Can result in partial or complete paralysis.
  • Broken Bones: Fractures often require extensive recovery time.
  • Soft Tissue Injuries: Sprains, strains, and bruising.
  • Internal Injuries: Damage to organs caused by the force of impact.

Compensation Available in Rideshare Accident Claims

Victims of rideshare accidents may be entitled to various types of compensation, including:

1. Medical Expenses

  • Covers surgeries, hospital stays, medications, and rehabilitation.

2. Lost Wages

  • Compensation for time missed from work and diminished earning capacity.

3. Pain and Suffering

  • Non-economic damages for physical pain and emotional distress.

4. Property Damage

  • Reimbursement for damaged personal belongings, such as phones or laptops.

5. Wrongful Death

  • In fatal accidents, surviving family members can seek damages for funeral costs and loss of companionship.

Why Choose FGB Law for Rideshare Accident Cases?

Rideshare accident cases often involve complex insurance policies and multiple parties. At FGB Law, we understand the unique challenges these cases present and are committed to securing fair compensation for our clients.

Our team will handle every aspect of your case, from investigating the accident to negotiating with insurance companies, so you can focus on recovery.

Contact FGB Law for Help With Your Uber or Lyft Accident Claim

If you’ve been injured in a rideshare accident in Port Charlotte, don’t navigate the legal process alone. At FGB Law, we are here to fight for your rights and ensure you receive the compensation you deserve.

Call FGB Law today at (941) 979-9010 or complete our online form to schedule your free consultation.