Injured in an Uber or Lyft Accident in Florida?
Rideshare companies like Uber and Lyft are revolutionizing the way we get around. These companies are changing the way we think about transportation, but they are not immune to accidents. If you were injured in a car accident involving a rideshare driver, you may be entitled to damages.
Our Cape Coral rideshare accident attorneys at Lusk, Drasites & Tolisano can help you understand your rights and your options. We can help you navigate the legal process and hold the rideshare driver accountable for their actions.
Who is Liable for Rideshare Accidents?
Rideshare companies are not liable for all rideshare accidents. The rideshare driver is typically liable for the accident, but it can depend on the circumstances of the accident. Uber and Lyft have insurance policies that cover rideshare drivers, but this insurance may not always cover the rideshare driver.
Both Uber and Lyft, as transportation network companies (TNCs), provide liability coverage to their drivers while they are actively engaged in providing ridesharing services. The liability coverage offered by Uber and Lyft is designed to protect both the driver and passengers in the event of an accident or injury during a ride.
Here is a general overview of the liability coverage provided by Uber and Lyft:
Period 1: The driver is online and waiting for a ride request
- Uber: During this period, Uber provides contingent liability coverage, which means the driver's personal auto insurance is the primary coverage. If the driver's personal insurance doesn't apply or is insufficient, Uber provides third-party liability coverage for bodily injury and property damage, up to certain limits.
- Lyft: Similar to Uber, during Period 1, Lyft provides contingent liability coverage. The driver's personal auto insurance is the primary coverage, and Lyft provides additional third-party liability coverage if needed.
Period 2: The driver has accepted a ride request and is en route to pick up the passenger
- Uber: Uber provides primary liability coverage during this period. The coverage includes third-party liability for bodily injury and property damage, up to certain limits. Coverage limits may range from $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage per accident. The driver's personal auto insurance does not apply during this period.
- Lyft: Similarly, Lyft provides primary liability coverage during Period 2. The coverage includes third-party liability for bodily injury and property damage, up to certain limits similar to Uber.
Period 3: The passenger is in the vehicle, and the ride is in progress
- Uber: Uber provides primary liability coverage during this period, covering third-party liability for bodily injury and property damage, up to certain limits. The coverage limits are generally higher, and they may range from $1,000,000 for bodily injury and property damage per accident. The driver's personal auto insurance does not apply during this period.
- Lyft: Like Uber, Lyft provides primary liability coverage during Period 3, covering third-party liability for bodily injury and property damage, up to certain limits similar to Uber.
Can My Insurance Cover the Rideshare Accident?
Yes since Florida is a "no-fault" state when it comes to auto insurance. The no-fault system is designed to provide prompt medical and financial benefits to individuals involved in car accidents, regardless of who was at fault.
All vehicle owners in the state are required to carry Personal Injury Protection (PIP) coverage as part of their auto insurance policy. PIP coverage provides benefits for medical expenses, lost wages, and other related costs resulting from an auto accident, regardless of who caused the accident.
However, if you have sustained serious or permanent injuries, you may be eligible to file a personal injury lawsuit against the rideshare driver or company.
What Damages Can I Recover?
You may be entitled to damages if you were injured in a rideshare accident. You may be able to recover compensation for medical bills, lost wages, and pain and suffering.
Injured riders may be able to recover damages for:
- Medical bills
- Lost wages
- Pain and suffering
- Punitive damages
Our Cape Coral rideshare accident lawyers at Lusk, Drasites & Tolisano can help you recover the compensation you deserve. Our attorneys can help you calculate your damages and determine the best course of action for your case.
You may be entitled to compensation if you were injured in a rideshare accident. We are ready to protect your rights, health, and best interests.
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