Fort Myers Uber & Lyft Accident Lawyers

Injured in a Rideshare Accident in Brandon, FL?

If you were hurt in an Uber or Lyft crash in Brandon, FL, you’re not alone—and you don’t have to figure it out by yourself. Rideshare claims involve layered insurance policies, Florida’s no-fault rules, and strict timelines. The Florida Law Group helps injured passengers, rideshare drivers, and occupants of other vehicles recover the compensation they need for medical care, lost wages, and long-term recovery. We know how to document your losses, protect you from insurance tactics, and move your case forward—so you can focus on healing.

Contact us today at (833) 899-0310 to schedule a free consultation to get started.

Florida Rideshare Laws

Florida regulates Uber and Lyft as Transportation Network Companies (TNCs) under Fla. Stat. § 627.748. This statute requires background checks, records retention, and—crucially—specific insurance minimums that change depending on the driver’s status in the app.

Florida is also a no-fault (PIP) state. Most injured people first tap Personal Injury Protection (PIP) benefits (typically $10,000) for medical expenses and some lost income, regardless of fault. Fault still matters for pursuing claims beyond PIP when injuries are serious under Florida’s threshold.

Who Is Liable for an Uber or Lyft Accident?

Rideshare liability depends on driver status at the moment of the crash:

Driver logged off the app

If the driver is not logged into the Uber/Lyft app, the trip is not a TNC trip. Only the driver’s personal auto policy applies (plus your own PIP/UM if you carry it). Uber/Lyft coverage does not apply.

Driver logged on, but no ride request accepted

This is often called “Period 1.” Florida law requires primary liability coverage of $50,000 per person / $100,000 per accident / $25,000 property damage during this waiting period, typically provided by the TNC’s insurer (sometimes excess to the driver’s policy, depending on the carrier language). If you’re another motorist, cyclist, pedestrian, or even a prospective passenger hurt in this phase, we typically make a claim against that coverage.

Driver accepted a ride or is transporting a passenger

Once a ride is accepted—even en route to pick you up—Florida requires at least $1,000,000 in third-party liability coverage. If you’re a passenger inside the rideshare, a pedestrian struck by the rideshare, or an occupant of another vehicle, this is usually the primary policy we target. Depending on the facts and policies in play, uninsured/underinsured motorist (UM/UIM) coverage may also be available.

Important: Florida’s no-fault rules mean you still use PIP first, but serious injuries can go beyond PIP to the applicable TNC or at-fault driver’s liability coverage. The exact mix of policies (TNC, personal, and any at-fault third party) is a legal and factual question we sort out for you.

What to Do After a Rideshare Crash in Brandon

1. Call 911 and get medical care—the report and prompt treatment help your health and your claim.
2. Capture evidence: driver name, plate, app screenshots (trip status and timeline), witness info, and vehicle photos.
3. Report the crash to Uber/Lyft through the app—but don’t provide a recorded statement without counsel.
4. Call The Florida Law Group—we’ll preserve electronic trip data, identify all coverage, and manage the claim.

Compensation We Pursue

• Medical bills (ER, specialists, therapy, surgery, future care)
• Lost wages and diminished earning capacity
• Pain, suffering, and loss of enjoyment
• Property damage and other out-of-pocket costs
• Wrongful death damages for qualifying family members

We build your case with medical documentation, trip data, telematics when available, and expert analysis to connect the dots between the crash and your losses.

Uber & Lyft Accident Claim FAQs

How does Florida’s no-fault (PIP) affect my rideshare claim?

PIP typically pays first for medical expenses/wage loss up to your limits, regardless of fault. If your injuries meet Florida’s serious-injury threshold or your damages exceed PIP, we pursue the at-fault party’s liability coverage—often the TNC’s policy if the driver had accepted a ride or was transporting a passenger.

Is there really $1,000,000 in coverage for Uber/Lyft rides?

Yes. When a driver accepts a ride or has a passenger, Florida law requires at least $1 million in third-party liability coverage for death, bodily injury, and property damage during that period. We verify this with the insurer and align the timeline using app records.

What if the driver was waiting for a request when I was hit?

During the “waiting” period (logged on, no ride accepted), Florida mandates $50,000 per person / $100,000 per accident for bodily injury and $25,000 for property damage. We also examine the driver’s personal policy and any available UM/UIM.

I was a passenger and another car caused the crash—who pays?

We may pursue the at-fault third party’s liability coverage and the TNC’s policy. The $1M layer often applies during the ride, even if another driver was primarily at fault, but claim sequencing and policy language matter. We handle that analysis for you

Does Uber or Lyft cover accidents when the app is off?

No. If the app is off, the trip is not a TNC trip and only personal auto insurance applies.

What deadlines apply?

Florida has statutes of limitations for injury and wrongful death claims. Evidence (vehicle data, app logs, dashcam footage) can disappear quickly, so it’s smart to contact counsel right away to preserve proof and protect your rights.

How much is my case worth?

Value depends on medical findings, long-term impact, fault allocation, available insurance, and how well your damages are documented. We’ll give you a realistic valuation after reviewing your records and the coverage stack.

Why Choose The Florida Law Group?

• Local insight, Brandon focus: We know Brandon’s roads—Brandon Blvd (SR 60), I-75, Causeway Blvd, and busy pickup areas near the mall and hospital—plus the insurers and adjusters who handle Hillsborough County rideshare claims.
• Rideshare insurance fluency: We identify which coverage applies at each “phase” of the ride, and we pursue all available policies (Uber/Lyft, the rideshare driver, and any at-fault third party).
• No fee unless we win: We advance case costs and only get paid if we recover for you.

Whether you were a passenger headed to Tampa, a driver picking up in the Brandon Town Center, or an innocent motorist struck by a rideshare vehicle, The Florida Law Group is ready to help. 

Call (833) 899-0310 or contact us online now for a free consultation.