Florida Uber and Lyft Accident Lawyers
Accidents involving Uber, Lyft, and Turo come with legal twists that regular crashes do not. Several insurance policies can be in play, who pays depends on what the driver was doing at that moment, and these companies have aggressive legal teams looking out for themselves. The rideshare accident attorneys at Templer & Hirsch know how to work through these problems and fight for the most compensation possible. In our experience, the hardest part of a rideshare case is pinning down which policy actually applies, because the answer shifts depending on whether the app was on and whether a ride had been accepted at the moment of the crash.

How Rideshare Insurance Works

Uber and Lyft carry different levels of insurance depending on what the driver was doing when the crash happened. When the app is off, the driver's own personal insurance applies. When the app is on but no ride has been accepted, Uber and Lyft offer limited liability coverage. Once a ride is accepted or a passenger is in the car, Uber and Lyft carry up to $1 million in liability coverage. Figuring out which coverage fits your crash is a key part of getting you paid fairly.

Who Can File a Rideshare Accident Claim?

Many people can be hurt in a rideshare crash and have a valid claim: passengers in the rideshare car, people in other cars involved in the crash, pedestrians or cyclists who were struck, and even the rideshare driver if someone else caused the wreck. Our attorneys have experience representing every type of rideshare accident victim.

Turo and Peer-to-Peer Car Sharing

Turo and similar peer-to-peer car sharing services add another layer. How much insurance is available depends on the protection plan the vehicle owner picked. If you were hurt in a Turo accident, it is important to talk with an attorney who understands how peer-to-peer car sharing liability works.

Steps to Take After a Rideshare Accident

If you are hurt in a rideshare crash, take screenshots of the app showing your ride details, get the driver's information and insurance, take photos of the scene, see a doctor right away, and call Templer & Hirsch as soon as you can. Do not give a recorded statement to any insurance company before you speak with an attorney. The consultation is free.

How Much Insurance Covers an Uber or Lyft Crash in Florida?

In a rideshare crash, the single biggest question is often which insurance applies, and in Florida the answer depends on what the driver's app was doing at the moment of the crash. Florida's Transportation Network Company law (Fla. Stat. § 627.748) sets three coverage phases.

Required liability coverage by app status (Fla. Stat. § 627.748)

On a trip (passenger in car)
$1,000,000
App on, waiting for a ride
$50k / $100k / $25k
App off
Personal policy only

During an active prearranged ride, the TNC must carry at least $1 million in coverage. While a driver is logged on but waiting, the minimums drop to $50,000 per person / $100,000 per crash / $25,000 property. With the app off, only the driver's personal policy applies.

$1MCoverage during an active ride
3Coverage phases that can decide your claim
2 yrsFlorida deadline to file (Fla. Stat. § 95.11)

Your own coverage still matters. Florida's no-fault Personal Injury Protection (PIP) and any uninsured or underinsured motorist coverage can also come into play, especially in the lower-coverage phases. Whether you were a passenger, another driver, or a pedestrian changes the analysis. Our car accident and personal injury pages cover Florida's fault and insurance rules in more detail.

Where We Handle Florida Uber and Lyft Accident Lawyers Cases

We handle Uber, Lyft, and rideshare crashes across South Florida and beyond, including:

Frequently Asked Questions

Whose insurance pays after an Uber or Lyft accident in Florida?

It depends on the app's status at the moment of the crash. During an active ride the rideshare company's $1 million policy generally applies. While the driver was logged on but waiting, lower minimums apply ($50k/$100k/$25k). With the app off, only the driver's personal policy is in play, alongside your own PIP and uninsured motorist coverage.

I was a passenger in an Uber that crashed. What are my rights?

As a passenger you are almost never at fault, and you may have access to the rideshare company's coverage plus your own PIP and any uninsured motorist coverage. Report the crash, get medical care within 14 days for PIP, and keep your trip receipt as proof the ride was active.

Does Florida's no-fault PIP apply to rideshare crashes?

Yes. Florida's PIP system still applies, so your own policy can pay a share of medical bills and lost wages regardless of fault, on top of any rideshare or at-fault coverage. Seeking treatment within 14 days is important to preserve PIP benefits.

How long do I have to file a rideshare accident claim?

Generally two years from the date of the crash under Fla. Stat. § 95.11. Preserving evidence of the driver's app status early can be important, so it is best not to wait.

Explore more ways Templer & Hirsch can help, and use our settlement calculators for federal maritime claims.

If you or a loved one has been injured, the most important step you can take is to speak with an experienced attorney as soon as possible. Call Templer & Hirsch today for a free, confidential consultation. We are ready to help.

Sources & further reading (verify before relying on them)

This page is general information, not legal advice. Laws change; confirm the current statute and speak with an attorney about your situation.