Florida Uber and Lyft Accident Attorneys

Florida Rideshare Laws

Florida has enacted specific legislation to regulate rideshare companies, also known as Transportation Network Companies (TNCs). These laws are designed to ensure the safety of passengers and other road users while providing a clear legal framework for liability and insurance coverage.

Key aspects of Florida’s rideshare laws include:

• Background Checks: Drivers must pass a criminal background check and driving history screening.
• Insurance Requirements: Florida law mandates varying levels of insurance coverage depending on whether the rideshare driver is logged into the app or transporting a passenger.
• Vehicle Standards: TNC vehicles must meet specific safety and maintenance criteria.
• Zero Tolerance Policy: Florida enforces a zero-tolerance policy for drug and alcohol use by rideshare drivers.

Despite these regulations, accidents still occur—and when they do, they often involve complicated insurance issues and liability questions. That’s why having a knowledgeable Florida rideshare accident lawyer on your side is essential.

Who is Liable for an Uber or Lyft Accident?

Determining liability in a rideshare accident depends on the driver’s status in the app at the time of the collision. Florida law distinguishes between three main scenarios:

Driver is Logged Off (Not Using the App)

If the rideshare driver is not logged into the app when the accident occurs, they are considered to be acting as a private citizen, not a commercial driver. In this case, the driver’s personal auto insurance policy is the primary source of coverage.

If you are injured in a crash caused by a driver who was off-duty, their insurance company will handle the claim. If the damages exceed their policy limits or they are uninsured, your uninsured/underinsured motorist coverage may apply.

Driver is Logged On but Has Not Accepted a Ride Request

When a driver is logged into the rideshare app but has not yet accepted a ride request, Uber and Lyft provide contingent liability coverage. In Florida, this typically includes:

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

This coverage only applies if the driver’s personal insurance declines or is insufficient.

Driver Has Accepted a Ride or Is Transporting a Passenger

Once the driver has accepted a ride request—or is actively transporting a passenger—Uber and Lyft’s full commercial insurance coverage takes effect. This includes:

• $1 million in third-party liability coverage
• Uninsured/underinsured motorist coverage
• Contingent comprehensive and collision coverage (if the driver carries such coverage personally)

These situations offer the strongest potential for a successful claim, but they also require navigating corporate insurance policies and legal teams. Our attorneys know how to deal with these challenges to maximize your recovery.

FAQs About Uber & Lyft Accidents in Florida

What should I do immediately after a rideshare accident?

1. Seek medical attention for any injuries.
2. Call the police and file an accident report.
3. Take pictures of the scene, including vehicle damage and injuries.
4. Get contact information for the driver, witnesses, and other involved parties.
5. Notify Uber or Lyft through their app.
6. Contact a Florida rideshare accident attorney before speaking with insurance companies.

Can I sue Uber or Lyft directly?

Typically, Uber and Lyft classify their drivers as independent contractors, which limits direct liability. However, you may be able to file a claim against their insurance policies or sue the company under specific legal theories (e.g., negligent hiring). Every case is unique—our firm can evaluate your best options.

What if I was a passenger during the accident?

If you were a passenger injured in a rideshare accident, you are usually covered under the $1 million liability policy provided by Uber or Lyft. You may also be able to file a personal injury claim against the driver or another at-fault party.

How long do I have to file a claim?

Florida’s statute of limitations for personal injury claims is generally two years from the date of the accident (as of recent legal updates). However, it's critical to consult an attorney promptly to preserve evidence and file on time.

How much compensation can I recover?

Compensation depends on the severity of your injuries and other losses. You may be eligible for:

• Medical expenses
• Lost wages
• Pain and suffering
• Property damage
• Future care or rehabilitation costs

How The Florida Law Group Can Help You

The Florida Law Group has been helping Florida residents who’ve been injured in accidents they didn’t cause for 40+ years. Our attorneys have 100+ years of combined experience applying their knowledge and skills to thousands of cases to help clients in need get the compensation that they deserve. We are a highly reputable Florida personal injury firm, and we’ve been recognized by some of the nation’s most prestigious legal organizations, like The National Trial Lawyers Top 100, The Best Lawyers in America, and more! 

In addition to our accolades, we are passionate about helping people. We know how overwhelming it can be to sustain injuries and have to deal with the legalities while trying to recover. We aim to make the process of recovering compensation as pain-free as possible, and we work diligently to ensure that our clients walk away with the best possible outcome. 

If you’ve been injured in a rideshare accident or other type of accident, contact The Florida Law Group today at (833) 899-0310 to schedule a free consultation and learn about your next steps!