Who Is Responsible In An Uber Or Lyft Accident?

While rideshare companies like Uber and Lyft carry substantial insurance policies, the specific circumstances of the accident determine who’s liable. The situation depends largely on what the rideshare driver was doing at the time of the crash:

• Driver Without App Activation (Personal Use): If the driver isn’t logged into the rideshare app, their personal auto insurance applies.
• App Activated But No Passenger Assigned: When a driver is waiting for a ride request, Uber or Lyft provides supplemental liability coverage of $50,000 per person and $100,000 per accident, in addition to $25,000 for property damage.
• Driver En Route To Pick Up Or With A Passenger: During active trips, rideshare companies provide up to $1 million in liability coverage, which covers injuries and damages for passengers and other involved parties.

For instance, if an Uber driver causes an accident while on their way to pick up a rider, Uber’s substantial liability policy would come into play. At the same time, if another motorist contributed to the accident, their liability would also factor into the equation. Cases like these highlight how critical it is to have a legal advocate who can sort through the complexities.

Florida’s Comparative Fault Rule

Florida follows the comparative fault rule, allowing multiple parties to share responsibility for an accident. Injured victims can still recover damages, even if they’re partially at fault, but their compensation will be reduced by their percentage of fault.

For example, if you were found to be 20% at fault for the accident, and the total damages amount to $100,000, you could recover $80,000. This highlights the importance of gathering strong evidence, such as witness statements and dashcam footage, to reduce your level of fault and maximize your compensation.

Rideshare Insurance In Florida

To safeguard both riders and the general public, Florida requires rideshare companies to carry substantial insurance coverage, including:

• $1 Million Liability During Active Rides: This protects passengers and any third parties injured while a driver is en route to pick up or actively transporting a rider.
• Uninsured/Underinsured Motorist Coverage: This coverage applies when another driver, who doesn’t have adequate insurance, causes the accident.

Though these insurance policies may seem comprehensive, companies and insurance adjusters often look for ways to minimize payouts. Their priority is protecting their bottom line — not your well-being. Having a dedicated legal advocate ensures you won’t be shortchanged.

Recovering from a rideshare accident is hard enough without dealing with the legal and insurance complications that follow. Injured victims often find themselves facing uncooperative insurance adjusters, unclear liability situations, and unrelenting medical bills. This is where Fenstersheib Law Group, P.A. steps in.

With years of experience handling complex vehicle and rideshare accident cases in Pembroke Pines, we stand ready to fight for what you’re entitled to. From investigating accident details to negotiating with insurance providers, we’ll handle the legal heavy lifting so you can focus on your recovery.

Trust Fenstersheib Law Group, P.A., To Fight For Your Compensation

A rideshare accident can turn your life upside down in an instant. The physical, emotional, and financial toll can feel unbearable, but you don’t have to face it alone. At Fenstersheib Law Group, P.A., we’re committed to protecting Pembroke Pines residents affected by Uber and Lyft accidents.

Let us advocate for your rights and pursue the maximum compensation you deserve for your injuries, medical costs, lost wages, and more. Call us today at (833) TellFLG (954) 456-2488 to schedule a consultation (by appointment only).