Are You Covered In A Ridesharing Accident in Florida?
Understanding Rideshare Accident Coverage in South Florida: What You Need to Know
Ridesharing services such as Uber and Lyft, have transformed modern transportation, offering convenient alternatives to driving yourself or taking public transit. While these services make getting around easier, it’s important to understand how insurance coverage works if you’re involved in an accident.
Understanding Insurance Coverage
When you’re involved in a rideshare accident, insurance coverage depends on your role in the situation. Most rideshare companies provide insurance coverage that varies based on whether the driver is:
- Waiting for a ride request
- En route to pick up a passenger
- Actively transporting a passenger
The coverage situation can be complex since rideshare drivers are typically classified as independent contractors rather than employees. This classification affects how insurance claims are handled and who is responsible for coverage.
Personal Injury Protection (PIP) and Coverage
If you’re in your own vehicle and hit by a rideshare vehicle, your personal auto insurance’s PIP coverage typically applies first. However, coverage can become more complicated when you’re a passenger in a rideshare vehicle. Additional coverage may come from the rideshare company’s insurance policy, depending on the circumstances of your specific accident.
Essential Tips if You’re Involved in a Rideshare Accident:
- Ensure Immediate Safety
- Move to a safe location if possible
- Call emergency services if anyone is injured
- Stay at the scene until police arrive
2. Document Everything
- Take photos of all vehicles involved and the accident scene
- Screenshot your rideshare app showing your trip details
- Get the names and contact information of any witnesses
3. Collect Important Information
- Driver’s name, license number, and insurance information
- The rideshare company’s insurance information
- Police report number
- Vehicle make, model, and license plate numbers
4. Protect Your Rights
- Seek medical attention even for minor injuries
- Keep records of all medical visits and expenses
- Don’t provide recorded statements to insurance companies without guidance
- Save all receipts related to the accident
5. Report the Incident
- Report the accident through the rideshare app immediately
- Contact your personal insurance company
- Document all communication with insurance companies
6. Maintain Records
- Keep a journal of medical symptoms and recovery
- Save all correspondence about the accident
- Track any lost work time or wages
- Keep receipts for all accident-related expenses
7. Protecting Yourself Before an Accident
- Review your personal auto insurance policy
- Consider adding uninsured/underinsured motorist coverage
- Understand your health insurance coverage
- Keep emergency contact numbers readily available
Remember: Insurance coverage in rideshare accidents can be complex since multiple insurance policies may be involved. If you’re seriously injured, consider consulting with a rideshare accident lawyer who can help navigate the claims process and protect your interests.
If you were involved in an Uber or Lyft accident, you need sound legal advice by an attorney that understands rideshare accident laws. Contact the Boca Raton based law firm, the Law Offices of Russ E. Robbins, P.A., today for your free case evaluation. With over 25 years of personal injury and accident specific expertise, Attorney Russ Robbins focuses his entire practice on protecting the rights of those seriously injured. Contact us today, either online or call us directly at 561-362-5215.
Get A Free Consultation with an Experienced Personal Injury Attorney Today in Boca Raton
For more information about ridesharing accidents, contact the Law Offices of Russ E. Robbins or schedule a free consultation with our Boca Raton rideshare accident lawyer today.
Categories: Car Accidents, Personal Injury
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