How to Recover Damages In A Ride-sharing Accident

Learn More About Recovering From A Ride-Sharing Accident In Florida

Ride-sharing companies and their associated apps, such as Uber and Lyft, have become the preferred way to get around. A tourist or a local can easily access a ride within minutes. However, this popular transportation convenience can come at a price when an accident occurs. The Tampa Bay area has some of the highest number of accidents in the state and Florida rideshare drivers and their companies have slightly different insurance requirements than everyday drivers. Therefore, before stepping into a rideshare vehicle, it may be beneficial to understand your rights when an accident occurs. If you are a victim of a ride-sharing accident, you will want to contact a auto accident attorney to protect your rights.

How Are You Insured In A Ride-Sharing Accident?

Insurance coverage with Uber or Lyft drivers may be unclear when determining who is covered. Ride-share drivers are considered independent contractors, not employees, and therefore must follow national transportation guidelines. That doesn’t always mean they are following basic driver safety tips. The ride-share company and driver are required to carry liability insurance that covers passengers and third parties in an accident. Here are the ways you may be insured if you are in an accident while riding in an Uber vehicle:

The Ride-share driver is on-call, and their app is online:

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

The Ride-share driver is driving with passengers in the vehicle, and the app is online:

• $1,000,000 in third-party liability coverage (such as Uber or Lyft)
• Uninsured and underinsured motorist coverage
• Contingent comprehensive and collision coverage for property damage to the Uber vehicle

Because Florida is a no-fault state, a passenger’s insurance policy also provides initial protection in an accident.

Filing a Accident Claim

There are various steps to take when riding in a ride-sharing vehicle in an accident. It is essential to be aware of each of them and how they may apply to you.

• Seek medical attention if necessary
• File a police report
• Contact your insurance carrier
• Document any details, such as medical bills and witness communication
• Discuss your legal options with a ride-share attorney as soon as possible
  • File a claim with the ride-share company
  • Determining fault and proving negligence if required
  • Determine recoverable damages such as lost wages, medical bills, pain and suffering, and rehabilitation costs

If You Have Been In A Ride-Sharing Accident, Get Legal Advice And Know Your Rights

Anyone involved in a ride-share accident should immediately contact an attorney to help recover damages. Navigating the insurance system can be complicated when dealing with ride-sharing companies. Hiring Attorney Teresa Williams is the best way to protect your rights. Call us at (727) 796-2706 today to get started or contact us on our website here.