Rideshare accidents · FL · TX · SC
Uber & Lyft Accident Lawyer
Rideshare crashes drop you into a maze of overlapping insurance policies — the driver's, Uber or Lyft's, maybe your own. Which one pays depends on details measured in minutes. We untangle it for you.
How rideshare insurance actually works
Uber and Lyft coverage operates in phases tied to the driver's app. If the app was off, the driver's personal auto policy applies. If the app was on and waiting for a ride request, the rideshare company generally provides limited contingent coverage. And from the moment a ride is accepted through drop-off, state laws in Florida and Texas generally require up to $1,000,000 in third-party liability coverage.
That phase determination — sometimes a matter of seconds in app data — can swing available compensation by hundreds of thousands of dollars. Rideshare insurers know this and fight hard over it, which is why securing the app data early matters so much.
Passengers, other drivers, pedestrians — and rideshare drivers too
If you were a passenger in an Uber or Lyft, your claim is usually the most straightforward: you bear no fault for the crash, and the trip-phase $1M policy is typically in play whether your driver or another motorist caused it. If you were in another car, on a bike, or on foot and a rideshare driver hit you, the same phase analysis determines which policy answers. And if you drive for Uber or Lyft and were hurt while working, contingent collision and underinsured-motorist provisions may protect you in ways your personal policy doesn't.
Why these claims need a lawyer more than most
Rideshare cases routinely involve three or more insurance carriers pointing at each other — the rideshare company's insurer, the driver's personal carrier, and the other motorist's. Each has an incentive to stall and shift blame, and unrepresented victims get caught in the middle while bills pile up. We identify every applicable policy, pin down the app phase with evidence, and force the responsible carrier to pay. Report the crash in the app, get medical care immediately, and call us before any insurer calls you. Filing deadlines generally run two years in Florida and Texas and three in South Carolina.
Uber & Lyft Accident Lawyer — common questions
Typically the rideshare trip policy — up to $1,000,000 in liability coverage — applies during an active ride, regardless of whether your driver or another motorist caused the crash. As a passenger, you're generally faultless, which makes your claim strong. Don't settle it cheap.
It depends on the driver's app status at the moment of impact: app off means their personal policy; waiting for a ride means limited contingent coverage; en route or carrying a passenger generally means the full commercial policy. We obtain the app records that prove which phase applies.
Yes — report it through the app, which creates an official record. But keep it factual and brief, and talk to a lawyer before giving any insurer a detailed or recorded statement.
Possibly several. Depending on your app phase and who caused the crash, you may have claims against the at-fault driver, under the rideshare company's contingent coverage, and through uninsured/underinsured motorist provisions. We'll map every option for free.
Talk to an attorney today — free.
No fee unless we win. Available 24/7 across Florida, Texas & South Carolina.
Call (561) 944-PAIN