Sarasota Rideshare Accident Attorneys

Helping Injured Passengers & Drivers of Uber & Lyft Accidents

If you were hurt in an Uber or Lyft crash in Sarasota, you’re not alone—and you don’t have to figure this out by yourself. } helps injured riders, drivers, and people in other vehicles pursue the compensation they need under Florida’s rideshare laws. From sorting out which insurance policy applies to building a strong claim and negotiating with adjusters, we’re here to protect your rights from day one.

Call (833) 899-0310 or contact us online today to schedule a free consultation.

Florida Rideshare Laws

Florida regulates Uber and Lyft as Transportation Network Companies (TNCs). A “prearranged ride” legally begins when a driver accepts a request in the app and ends when the last rider exits the vehicle. That definition matters because the level of insurance coverage changes depending on the driver’s status in the app (offline, online waiting, or on a trip).

Florida’s no-fault system still applies. Most Floridians carry Personal Injury Protection (PIP) that pays a portion of medical bills and lost wages up to $10,000, regardless of fault, as long as you seek treatment promptly. But serious injuries often exceed PIP’s limits, and claims then turn on the at-fault party’s liability coverage—often the Uber/Lyft policy during a prearranged ride

These rules exist alongside background check and safety provisions for TNC drivers. In practice, the driver’s app status at the moment of the collision is the key that unlocks which policy must respond.

Who is Liable for an Uber or Lyft Accident?

(We’ll cover what happens when the driver is logged off, logged on but hasn’t taken a request, and when the driver has accepted a ride or is transporting a passenger.)

Driver Logged Off (App Closed)

When a rideshare driver is not using the app, the trip is not a TNC activity. Any crash is treated like a normal car accident. Claims are filed against the at-fault driver’s personal auto policy (and your own PIP may apply for initial benefits). Uber and Lyft’s insurance does not apply here.

Driver Logged On, Awaiting Requests (App On, No Match)

This is often the gray area. Florida requires TNCs to provide contingent third-party liability at $50,000 per person / $100,000 per accident for bodily injury and $25,000 for property damage while the app is on but no ride is accepted. If the driver’s personal policy won’t cover the loss (many exclude “for-hire” use), the Uber/Lyft policy typically steps in up to these limits. Evidence proving the app was on—trip records, telematics, and screenshots—can be crucial.

Ride Accepted or Transporting a Passenger

From the moment a driver accepts a request until the rider exits, Florida law requires up to $1,000,000 in third-party liability coverage. This coverage is designed to protect passengers, other drivers, cyclists, and pedestrians injured by the rideshare driver’s negligence. Depending on the facts, additional coverages (such as uninsured/underinsured motorist coverage, if available) may also come into play.

Damages You May Recover

Depending on your situation and insurance stack, you may pursue compensation for:

• Emergency care, hospital visits, surgery, and rehabilitation
• Future medical needs and assistive devices
• Lost wages and diminished earning capacity
• Pain and suffering, inconvenience, and loss of enjoyment of life
• Property damage and out-of-pocket expenses

Florida currently imposes a two-year statute of limitations for most negligence claims arising on or after March 24, 2023. Waiting risks your rights and your evidence.

Uber & Lyft Accident Claim FAQs

Do I file on my PIP or the rideshare policy first?

In Florida, most injured motorists start with their PIP benefits for medical bills and part of lost wages (subject to limits and the 14-day treatment rule). If your injuries are serious or costs exceed PIP, we pursue the appropriate liability coverage—often the Uber/Lyft policy if the driver was on a prearranged ride.

What if I was a passenger?

Passengers are generally covered by the $1,000,000 third-party liability policy while the trip is active, regardless of who is at fault, though fault can affect how claims are allocated among insurers. We coordinate among the rideshare insurer, any at-fault third parties, and your own coverages to maximize recovery.

What if the rideshare driver wasn’t at fault?

If another driver caused the crash, we pursue that driver’s liability coverage (and your PIP still applies). If that driver is uninsured or underinsured, we explore UM/UIM coverage available through your policy and any rideshare UM/UIM where applicable.

How do I prove whether the app was on or a ride was active?

We request trip and status logs from Uber/Lyft and may subpoena data if needed. These records show the precise timestamps for “online,” “accepted,” “en route,” and “drop-off.” Photos, texts, and ride receipts help too.

What if the insurance adjuster blames me?

Florida follows modified comparative negligence for most negligence claims, which can reduce your recovery if you share fault and bar it if you’re more than 50% at fault. We push back with evidence—scene photos, skid analysis, black-box data, and expert reconstruction, if needed.

How long do I have to file?

For most negligence claims stemming from crashes after March 24, 2023, the deadline is two years. Don’t wait—missing the deadline usually means losing the claim entirely.

What if I was a cyclist or pedestrian hit by an Uber/Lyft?

The same app-status rules apply. If the driver had accepted a ride or was transporting a passenger, the $1,000,000 policy is typically available to compensate injured third parties like cyclists and pedestrians.

What To Do After a Sarasota Rideshare Crash

• Get medical care immediately—it protects your health and preserves benefits.
• Report the crash to the police and through the Uber/Lyft app (screenshots help).
• Preserve evidence: photos, video, driver info, vehicle damage, and witness contacts.
• Avoid recorded statements until you speak with a lawyer.
• Call a Sarasota rideshare accident lawyer at The Florida Law Group to lock down coverage and deadlines.

Talk to a Sarasota Uber & Lyft Accident Lawyer Today

Whether you were a paying passenger on Tamiami Trail, a commuter struck near Fruitville Road, or a cyclist along the Legacy Trail, The Florida Law Group is ready to help. We know how to navigate Florida’s rideshare framework, determine which policy pays, and build a case that fully reflects your losses.

Free consultation. No fee unless we win. Reach out today by calling (833) 899-0310.