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Florida Holiday Travel: What to Do if You're Injured in a Rideshare Accident

As the holiday season approaches, Florida’s bustling tourism scene ramps up significantly. From visiting family members to tourists flocking to theme parks and beaches, the roads become more congested, increasing the likelihood of accidents. For many, rideshare services like Uber and Lyft offer a convenient way to avoid driving in heavy traffic during this busy period. However, what happens if you're injured in a rideshare accident? Knowing your legal rights and the steps to take after an accident is crucial to helping you pursue the compensation to which you may be entitled.

Understanding Liability in Uber and Lyft Accidents in Florida

Rideshare companies like Uber and Lyft operate under a unique business model that can complicate personal injury claims. Unlike traditional taxi services, rideshare drivers are considered independent contractors, not employees. This distinction can make it more challenging to determine who is liable for your injuries in the event of an accident.


The good news is that Florida law requires rideshare companies to carry significant insurance coverage for their drivers, depending on the status of the ride:

  • Driver is logged into the app but has not accepted a ride: The insurance coverage typically includes $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
  • Driver has accepted a ride and is en route to pick up or drop off a passenger: Uber and Lyft provide up to $1 million in third-party liability coverage.
  • Driver is not logged into the app: In this case, the driver’s personal insurance would apply, just as with any other motorist.

Given the complexity of determining which insurance policy applies, consulting a Florida personal injury lawyer after a rideshare accident can help navigate the process and assist you in pursuing fair compensation.

Essential Steps to Protect Yourself After a Rideshare Accident

Ensure Your Safety and Seek Medical Attention

Your immediate priority after any accident should be your safety. If you’re able, move to a safe location and assess your injuries. Even if you feel fine, it's important to seek medical attention as some injuries, like whiplash or internal injuries, may not present symptoms right away. Documenting your injuries immediately will also help support your claim later.

Call 911 and Report the Accident

Florida law requires you to report accidents that result in injury, death, or property damage over $500. Call 911 to report the accident, and make sure law enforcement files an official police report. This document will be critical when pursuing an injury claim against the rideshare company or driver.

Gather Information from All Parties Involved

Just like any car accident, it's essential to collect information from all parties involved. This includes the rideshare driver, other drivers, and any witnesses. Be sure to gather:

  • Names, contact information, and driver's license numbers
  • Insurance information
  • Rideshare details (such as the app used, driver’s name, and vehicle)
  • License plate numbers of all vehicles involved Additionally, document the accident scene with photographs, including vehicle damage, road conditions, traffic signs, and your injuries.

Report the Accident to the Rideshare Company

After ensuring your safety and gathering the necessary information, it's important to notify the rideshare company about the accident. Both Uber and Lyft have procedures for reporting accidents through their apps or customer support lines. Be sure to follow these protocols and keep a record of your communication with the rideshare company.

Avoid Making Statements to Insurance Adjusters

Shortly after the accident, you may be contacted by insurance adjusters from the rideshare company or the driver's personal insurer. It is crucial to remember that their goal is to minimize payouts, so avoid making any statements that could be used against your claim. Never admit fault or downplay your injuries.

Contact a Florida Personal Injury Lawyer

Rideshare accidents often involve multiple layers of insurance, making the claims process complicated. Consulting an experienced Florida personal injury attorney will help ensure that all responsible parties are held accountable. A lawyer can help you navigate the legal process, gather evidence, and negotiate with insurance companies on your behalf.

Common Injuries in Rideshare Accidents

Accidents involving rideshare vehicles can lead to a range of injuries, some of which might not be immediately apparent. Here are a few common injuries often associated with car accidents:

  • Whiplash: One of the most prevalent injuries, whiplash occurs when the neck is jerked suddenly. Symptoms may take days or weeks to manifest, making it important to seek medical attention even if you feel fine initially.
  • Fractures and Broken Bones: The impact from a crash can cause fractures, especially in high-speed collisions.
  • Spinal Cord Injuries: A spinal cord injury can result in long-term mobility issues or even paralysis.
  • Concussions and Traumatic Brain Injuries (TBI): Head injuries are common in car accidents, and even a minor impact can lead to a concussion or more severe brain injury.
  • Internal Bleeding: Internal injuries may not be visible immediately after an accident, but they can be life-threatening. Always seek medical attention if you feel unusual pain or discomfort following an accident.

Florida’s no-fault insurance system adds another layer of complexity to personal injury claims. In general, your own Personal Injury Protection (PIP) insurance covers your initial medical bills and lost wages, regardless of who caused the accident. However, if your injuries are severe and your medical costs exceed your PIP limits, you can pursue a personal injury claim against the at-fault party.


Rideshare accident cases often involve multiple layers of insurance, including your own PIP policy, the rideshare company’s insurance, and possibly the driver’s personal insurance. A personal injury lawyer can help you navigate these complexities and pursue compensation for medical bills, lost wages, pain and suffering, and other damages.

Rideshare accident claims can be more challenging than traditional car accident cases due to several factors:

  • Insurance Coverage Limits: Determining which insurance policies apply and how much coverage is available can be complicated.
  • Independent Contractor Status: Since rideshare drivers are considered independent contractors, rideshare companies often try to limit their liability.
  • Multiple Parties: In some cases, multiple drivers or even the rideshare company itself may share responsibility for the accident, making the claims process more complex.
  • Uninsured/Underinsured Motorist (UM/UIM) Coverage: Uber and Lyft no longer offer UM/UIM coverage in Florida. As a result, passengers must rely on their personal auto insurance policies for UM/UIM coverage. This optional coverage provides protection if the at-fault driver has insufficient insurance. It is crucial to check your policy to ensure you have UM/UIM coverage, as it can offer vital compensation when other insurance coverage falls short.

Seeking Compensation After a Florida Rideshare Accident: How an Attorney Can Help

If you’re injured in a rideshare accident during Florida's busy holiday season, understanding your legal rights and the necessary steps is critical. Navigating a personal injury claim can be overwhelming, especially with multiple layers of insurance and various parties involved. Consulting a knowledgeable personal injury attorney allows you to focus on recovery while pursuing the compensation you may be entitled to under Florida law.


At Guarnieri Trial Law, our experienced legal team is here to guide you through every step of your rideshare accident claim. Don’t hesitate to reach out for a consultation to protect your rights and help you pursue fair compensation for your injuries.

Contact Guarnieri Trial Law: Your Trusted Florida Personal Injury Attorneys

Navigating a rideshare accident claim can be overwhelming, but you don’t have to do it alone. At Guarnieri Trial Law, our skilled personal injury attorneys have handled numerous Uber and Lyft accident cases across Florida. Whether you’re in Tampa, Orlando, or Miami, we are prepared to help you pursue fair compensation. Contact us today for a free consultation. Let our team advocate for your rights and ensure your case receives the attention it deserves.


Disclaimer: The information provided is not legal advice and does not establish an attorney-client relationship.