Uber Accident Lawyer
Personal injury lawyers who help victims injured in automobile accidents involving drivers and passengers of Uber, Lyft, and other rideshare services. If you have been injured as a driver, passenger, or a pedestrian in an Uber, Lyft, or other rideshare service accident in the State of Florida, please contact our law offices, before you speak with an insurance adjuster.
Miami Uber Accident Injury Attorney
As an experienced Miami Uber accident injury attorney, I will explain the types of Uber and Lyft personal injury clients we are able to represent:
Injured Uber Passengers in Miami Beach & Downtown Hollywood
South Florida injured Uber and Lyft passenger are, with rare exception, never at fault in the case of a collision. The only exception to this general rule, that I can imagine, is the case of a very drunk Uber passenger that perhaps gets violent with an uber driver causing them to collide with another vehicle or object. Other than that, Uber passengers that are injured in an auto accident cannot be held at fault. The accident may be the fault of the Uber passenger’s Uber driver. Uber drivers must pay attention to the rules of the road like any other driver.
On the other hand, there are certainly plenty of times when the Uber driver has no liability whatsoever. The classic example - if your Uber driver is stopped at a red light and another vehicle causes a read end car accident. There is literally, nothing your uber driver could have done to avoid the collision.
In either circumstance, you will have at least $1,000,000 in car accident insurance coverage. If the car crash was the fault of another vehicle (not an Uber driver), then your Uber injury lawyer would find out how much coverage the at-fault party has. For example, if the at-fault vehicle has a $10,000 bodily injury policy (fairly common in South Florida), then the injured Uber passenger would still be able to take advantage of Uber’s best-in-class underinsured motorists coverage and the injured uber rider would have $10,000 + $1,000,000 = $1,010,000 in total potential coverage (not including a potential extra uninsured motorists coverage that the Uber rider may have in personal coverage).
What if My Uber Driver Causes a Car Accident in South Florida?
In Florida, if the Uber driver wasn’t paying attention and causes the accident then your Uber accident lawyer would be able to bring a claim against Uber’s $1 Million Dollar insurance policy and, again, potentially against the Uber rider’s own underinsured motorists policy.
But realistically, very few Uber or Lyft car accidents are catastrophic enough to justify a personal injury settlement or verdict over $1,000,000.
Injured Uber Drivers
Uber drivers are on the road a lot and even the most careful 5-star rated Uber driver won't always be able to avoid a car accident while with an Uber rider or on the way to pick up an Uber passenger. An experienced Uber accident lawyer can help uber drivers who are injured while not at fault in a car crash. Uber provides excellent insurance coverage for their drivers who are on the job, on the way to pick up an uber rider or already en route with an uber passenger.
Anyone Injured by an Uber Car
Like regular drivers, there are good Uber drivers and bad Uber drivers. Uber drivers make mistakes and some uber drivers don’t pay careful attention. For example, I see plenty of uber drivers who place their phone (i.e. google maps) on their armrest when they should have their phone closer to eye level. Placing the phone on the armrest causes the Uber driver to have to look down (and therefore take their eyes off the road) when checking their navigation.
Some Uber drivers text and drive (perhaps with their upcoming fare) and others just otherwise are distracted. I’ve seen an uber driver turn around to talk to me while driving! Of course, anyone can cause an accident.
Luckily, Uber drivers, if on the Uber clock, will have either $50,000 (if looking for fares, but not yet matched with a potential Uber passenger) or $1,000,000 if a match has been made or an uber driver is en route with an uber rider. If an uber driver causes a car accident and you are injured, you are entitled to compensation for your medical bills, lost wages plus pain and suffering.
Our Miami Law Firm is known for a record of success with Uber Accident Claims and Lyft and Uber lawsuits...Contact us to help you today.
Florida Lyft and Uber Car Insurance Coverage
While Uber and Lyft both have excellent insurance coverage, the type of car insurance that will provide coverage after a crash depends on the Uber driver’s status at the time of the car accident. Essentially, rideshare insurance (Uber and Lyft) has four different types of car crash insurance coverage for Lyft of Uber accident claims:
Lyft or Uber Car Insurance Coverage While Driver Mode is Switched Off.
Those who elect to utilize their personal vehicles to provide taxi-level services to Uber or Lyft app consumers must still have their own personal auto-insurance policy. While an uber driver or Lyft driver is using their car for non-uber / non-Lyft purposes (e.g. driving to or from their regular job, running personal errands, driving family members around, or any other personal use) will not have Uber car insurance coverage, at all, through Uber or Lyft. Uber coverage (and Lyft insurance crash insurance coverage) will only kick in once the Uber driver or Lyft driver toggles driver mode on or otherwise indicates to Uber or Lyft that they are ready to accept fares.
Uber Car Insurance Coverage in Effect While a Driver is Waiting for a Ride Request from an Uber or Lyft app.
Once driver mode is toggled on, but before an Uber passenger has requested a ride, the uber driver has a $50,000 per person / $100,000 per accident in bodily injury coverage and $25,000 in property damage (only if the driver’s personal insurance policy will not kick in).
Why wouldn’t an uber driver’s personal insurance policy cover an accident if the uber driver was involved in a crash (but not yet with a passenger)?
Most personal car crash insurance policies will not cover their insured if they are driving in the course and scope of their business or employment (unless the uber driver disclosed and likely paid an extra premium for this coverage). So once the uber driver has toggled their app on (indicating they are waiting to receive ride requests), the uber driver’s personal injury policy would likely argue that they were driving for non-personal uses (as part of an employment or for work purposes) and disclaim coverage.
Of course, if the Uber driver or Lyft driver has paid for rideshare insurance coverage (in addition to their regular personal car accident insurance coverage), then they will have the best of both worlds and sometimes even the ability to stack coverages for their benefit (and protection) in the case of Uber accident claims.
In a non-uber context: personal injury attorneys often see this with food-delivery people and of course, a very clear situation would be, for example, the case of a FedEx driver getting into a car accident. While in the truck, FedEx’s insurance policy is liable for the driver’s negligent actions, when the FedEx driver gets off of work and heads home, their personal insurance carrier is responsible for covering the driver’s negligent actions.
Lyft / Uber Car Insurance Coverage: Auto Insurance in Effect Once a Ride Request Has Been Made.
Once an Uber or Lyft ride request has been made and accepted by the Uber driver Uber insurance covers them for up to $1,000,000. Both Uber and Lyft should be commended for having excellent insurance in place to protect their drivers, passengers and 3rd parties injured as a result of a Lyft or Uber driver’s negligence.
Uber Car Insurance Coverage in Effect Once a Passenger is En-route.
Same as above, even before the rideshare requestor has entered their Uber or Lyft, they have uber coverage for up to $1,000,000 for their medical bills, lost wages and pain and suffering should they need to make an uber accident claim or file an uber lawsuit.
Uber or Lyft Insurance Policy Coverage While Driver Mode is Switched Off.
Those who elect to utilize their personal vehicles to provide taxi-level services to Uber or Lyft app consumers must still have their own personal auto-insurance policy. While an uber driver or Lyft driver is using their car for non-uber / non-Lyft purposes (e.g. driving to or from their regular job, running personal errands, driving family members around, or any other personal use) will not have insurance coverage, at all, through Uber or Lyft. Uber crash insurance coverage (and Lyft insurance crash insurance coverage) will only kick in once the Uber driver or Lyft driver toggles driver mode on or otherwise indicates to Uber or Lyft that they are ready to accept fares.
Uber Crash Insurance in Effect While a Driver is Waiting for a Ride Request from an Uber or Lyft App.
Once driver mode is toggled on, but before an Uber passenger has requested a ride, the uber driver has a $50,000 per person / $100,000 per accident in bodily injury coverage and $25,000 in property damage (only if the driver’s personal insurance policy will not kick in).
Why wouldn’t an uber driver’s personal insurance policy cover an accident if the uber driver was involved in a crash (but not yet with a passenger)?
Most personal car crash insurance policies will not cover their insured if they are driving in the course and scope of their business or employment (unless the uber driver disclosed and likely paid an extra premium for this coverage). So once the uber driver has toggled their app on (indicating they are waiting to receive ride requests), the uber driver’s personal injury policy would likely argue that they were driving for non-personal uses (as part of an employment or for work purposes) and disclaim coverage.
Of course, if the Uber driver or Lyft driver has paid for rideshare insurance coverage (in addition to their regular personal car accident insurance coverage), then they will have the best of both worlds and sometimes even the ability to stack coverages for their benefit (and protection).
In a non-uber context: personal injury attorneys often see this with food-delivery people and of course, a very clear situation would be, for example, the case of a FedEx driver getting into a car accident. While in the truck, FedEx’s insurance policy is liable for the driver’s negligent actions, when the FedEx driver gets off of work and heads home, their personal insurance carrier is responsible for covering the driver’s negligent actions.
Uber / Lyft Auto insurance in Effect Once a Ride Request has been Made.
Once an Uber or Lyft ride request has been made and accepted by the Uber driver Uber covers them for up to $1,000,000. Both Uber and Lyft should be commended for having excellent insurance in place to protect their drivers, passengers and 3rd parties injured as a result of a Lyft or Uber driver’s negligence.
Uber Crash Insurance in Effect Once a Passenger is Enroute.
Same as above, even before the rideshare requestor has entered their Uber or Lyft, they are covered for up to $1,000,000 for their medical bills, lost wages and pain and suffering.
How to Report an Uber Accident Claim?
Uber passengers, not-at-fault Uber drivers and anyone involved in an accident caused by an Uber driver should seek medical attention first. Afterward, they should speak to an uber car accident attorney to discuss the best way to bring an uber-accident claim. Your Uber lawyer will handle all aspects of your uber claim / personal injury case - from speaking with the Uber insurance adjusters to maximizing your potential financial recovery to pay for your past and future medical treatment, past, and future lost wages and pain & suffering.
Your Uber injury lawyer will report Uber claims to James River Insurance Company. James River handles all of Uber accident claims. Your uber car crash lawyer will negotiate directly with a James River insurance adjuster and, if necessary, file an Uber lawsuit.
James River Insurance Company
6641 West Broad Street, Suite 300
Richmond, VA 23230
Tel: (804) 289-2700
Fax: (804) 420-1058
How to Report a Lyft Accident Claim?
If you are a Lyft passenger, Lyft driver or injured as a result of a Lyft driver (and only after handling any medical emergencies), call a local lyft personal injury attorney. An experienced Lyft injury lawyer will know how to get you the attention you need and maximize your Lyft injury claim and, if necessary, file a Lyft lawsuit.
Lyft Crash Specific Details
Lyft, Inc is located at 185 Berry Street, Suite 5000, San Francisco, CA 94107. Lyft’s emergency hotline is (855) 865-9553
Lyft Insurance | Lyft Injury Claims
Lyft is insured by Zurich American Insurance Company (at least through October 1, 2017) with $1,000,000 in bodily injury and uninsured motorists coverage. $50,000 per person, $100,000 per accident limits in certain situations. Lyft claims are negotiated with Zurich insurance adjusters.
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Office Phone: (305) 931-6666
2641 NE 207 Street, Suite 105, Miami, FL 33180
Serving Clients, injured in or by Lyft or Uber throughout the entire state of Florida.