Uber & Lyft Accident Lawyer in Marianna

Florida Rideshare Insurance Coverage by App Status

Florida Statutes section 627.748 sets insurance requirements for a transportation network company, the statutory term for a business that connects riders and drivers through a digital network. The required minimum coverage depends on the driver’s activity in the app.

Driver Offline

If the driver wasn’t logged into the network, the statute’s rideshare coverage periods generally don’t apply. The driver’s personal automobile insurance may respond, subject to the policy terms and the circumstances of the collision.

Logged In & Waiting for a Request

When the driver is logged in but hasn’t accepted a ride, Florida law requires at least $50,000 in bodily injury liability coverage per person, $100,000 per incident, and $25,000 in property damage coverage. The law also requires applicable personal injury protection and uninsured or underinsured motorist coverage.

Engaged in a Prearranged Ride

A prearranged ride begins when the driver accepts a request through the digital network. It continues until the last rider exits and no longer occupies the vehicle. During this period, the statute requires at least $1 million in primary automobile liability coverage, along with applicable personal injury protection and uninsured or underinsured motorist coverage.

These amounts are statutory minimums, not promised compensation. The required coverage may be maintained by the driver, vehicle owner, rideshare company, or a combination of those sources. Florida law also permits personal automobile policies to exclude coverage while a driver is logged in or completing a ride.

How App Records Can Clarify Available Coverage

Responsibility may rest with the rideshare driver, another motorist, a vehicle owner, or another party, depending on how the collision occurred. The rideshare company’s coverage isn’t necessarily contingent on the driver’s personal insurer first denying the claim.

During a coverage investigation, Florida law requires the transportation network company to provide precise driver log-on and log-off times for the 12-hour periods before and after the crash when properly requested. Those records can establish which statutory coverage period was active.

Useful evidence may include:

• Trip information: App history, receipts, messages, screenshots, and pickup or destination details.
• Crash documentation: Scene photographs, vehicle damage images, witness information, and the police report.
• Driver details: The driver’s name, vehicle description, license plate, and insurance information.
• Injury records: Medical reports, bills, work restrictions, and documentation of missed income.

What to Do After an Uber or Lyft Accident

Seek appropriate medical attention first. Some injuries aren’t fully apparent at the scene, so keep records of examinations, treatment, diagnoses, prescriptions, and medical restrictions.

After addressing immediate medical needs:

• Report the collision to law enforcement and obtain the crash report information.
• Preserve trip details and report the accident through the appropriate platform.
• Photograph the vehicles, roadway, visible injuries, and surrounding conditions when possible.
• Collect contact information from drivers, passengers, and witnesses.
• Keep insurance letters, emails, claim numbers, and settlement documents.
• Avoid signing a release or providing a recorded statement before understanding how it may affect your claim.

Damages That May Be Considered in a Rideshare Claim

We review medical expenses, lost wages, loss of mobility, and other financial damages when evaluating a personal injury claim. Depending on the nature of the injuries, we may also consider ongoing care, future income losses, pain, and limitations on daily activities when supported by evidence.

The amount and sources of potential compensation depend on liability, applicable policies, injury documentation, and the duration and severity of the harm. Comparative fault, which assigns each responsible person a percentage of blame, may also affect the claim under Florida law.

Discuss Your Uber or Lyft Injury Claim

Contact us for a free consultation about the collision, your injuries, and the coverage that may apply. We can review the available information and explain potential next steps based on the facts of your case.

If we represent you, we can manage insurance communications, evidence gathering, settlement discussions, and other legal proceedings connected to the claim.

Call (850) 800-9088 to request your free consultation with Law Offices of B. Shannon Saunders, PA.