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.

After taking these immediate steps, try to keep a simple journal of your symptoms, missed workdays, and any activities you can no longer enjoy because of the crash. This kind of day-to-day record can be powerful evidence when we explain your pain and limitations to an insurance adjuster or, if needed, a jury in Lee County. When you speak with a rideshare accident lawyer Fort Myers residents rely on, bringing this information to your consultation helps us evaluate your case more accurately from the start.

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.

In many Uber and Lyft claims, future damages are just as important as the bills you already have, especially if you suffered fractures, head trauma, or spinal injuries in a collision on roadways like McGregor Boulevard or Palm Beach Boulevard. We may consult with treating physicians, life-care planners, and vocational professionals to estimate your long-term medical needs and how your injuries affect your ability to work. A rideshare accident attorney can then present a demand that reflects both your current expenses and the long-term impact of the crash on your financial stability and quality of life.

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.

If your crash occurred in or around Fort Myers, we also factor in where a lawsuit would be filed, such as the appropriate court within the Twentieth Judicial Circuit, and how long complex injury cases can take to move through the system. Gathering photographs, witness statements, and medical records early helps us stay ahead of defense arguments and meet all filing requirements. When you consult with an uber accident lawyer Fort Myers individuals trust, we will walk you through important milestones and make sure you understand how timing could affect your case.

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.

How a Rideshare Lawyer Handles Your Claim

When you hire us after an Uber or Lyft crash in the Fort Myers area, we guide your case through a series of steps designed to protect your rights and strengthen your claim. First, we listen carefully to your story, review any documents you already have, and explain how Florida law applies to your situation. We then lay out a plan for gathering evidence, dealing with the insurance carriers, and keeping you informed as your claim progresses so you always know what to expect next.

Our team collects and reviews key records such as crash reports from local agencies, medical records from providers in Lee County, and digital trip data from the rideshare company. We may interview witnesses, request phone records, and, when appropriate, consult with accident reconstruction professionals to clarify how the collision happened. Throughout this process, a lyft accident attorney will handle communications with insurers on your behalf, respond to their requests for information, and push back if they try to downplay your injuries or shift blame onto you.

As your treatment continues, we track your medical progress, wage loss, and out-of-pocket expenses so we can present a complete picture of your damages. Once we have enough information, we prepare a detailed settlement demand that explains how the crash occurred, why the other party is liable, and what compensation fairly reflects your injuries and future needs. If an insurance company refuses to make a reasonable offer, we discuss your options with you—including filing a lawsuit in the appropriate Lee County court—and help you decide what path is best for you and your family.

Why Choose The Florida Law Group in Fort Myers?

• 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. 

Our team has been representing injured Floridians for decades, and we bring that experience to every rideshare collision we handle in communities like Fort Myers, Cape Coral, and throughout Lee County. When you work with a rideshare accident lawyer, you have someone focused on gathering the proof, explaining each step of the process, and dealing directly with insurers so you do not have to. We offer free consultations, work on a contingency fee basis, and are available to answer your questions so you can make informed choices about your recovery and your future.

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