Rideshare services like Uber and Lyft have transformed transportation across Florida. From daily commutes and airport trips to vacations and nightlife, millions of people rely on rideshare drivers every year. While these services offer convenience, accidents involving Uber and Lyft vehicles are becoming increasingly common—and legally complex.
When a rideshare accident occurs, victims are often left confused about who is responsible. Is it the driver? The rideshare company? Another motorist? Understanding liability is critical to recovering compensation.
At Moore Payne Law, Attorneys Geoff Moore and Spencer Payne represent victims injured in Uber and Lyft accidents throughout Florida. They help clients navigate the unique insurance rules that apply to rideshare companies and fight to ensure victims are not left paying the price for someone else’s negligence.
Why Rideshare Accidents Are Different From Regular Car Accidents
Unlike traditional car accidents, rideshare crashes involve multiple layers of insurance coverage that depend on the driver’s status at the time of the crash. This distinction often determines how much compensation is available—and from whom.
Rideshare drivers operate in different “periods,” including:
- When the driver is logged out of the app
- When the driver is logged in but has not accepted a ride
- When the driver has accepted a ride or is transporting a passenger
Each phase triggers different insurance coverage, which can significantly affect a victim’s claim.
Common Causes of Uber and Lyft Accidents
Rideshare drivers are often under pressure to complete trips quickly, accept multiple rides, and navigate unfamiliar areas. Common causes of rideshare accidents include:
- Distracted driving from app use or GPS navigation
- Speeding or aggressive driving to maximize fares
- Driver fatigue from long shifts
- Failure to yield or obey traffic signals
- Driving in unfamiliar neighborhoods
- Inadequate vehicle maintenance
In many cases, rideshare drivers are classified as independent contractors, which adds another layer of complexity to liability claims.
Who Can Be Held Liable After a Rideshare Accident?
Liability in Uber and Lyft accidents depends on the specific facts of the crash. Potentially responsible parties may include:
The Rideshare Driver
If the Uber or Lyft driver caused the accident through negligence, they may be personally liable.
Uber or Lyft’s Insurance Coverage
When a driver is actively engaged in a ride, Uber and Lyft provide substantial liability insurance coverage that may apply to injured passengers, pedestrians, cyclists, or occupants of other vehicles.
Another Negligent Driver
If another motorist caused the accident, their insurance may be the primary source of compensation.
Vehicle Manufacturers or Third Parties
In rare cases, defective vehicle parts or unsafe road conditions may contribute to the crash.
Moore Payne Law carefully evaluates every case to identify all liable parties and maximize available insurance coverage.
Florida Insurance Coverage for Rideshare Accidents
Florida law requires rideshare companies to carry specific insurance coverage depending on the driver’s status:
- Driver not logged into the app: Only the driver’s personal auto insurance applies
- Driver logged in but no ride accepted: Limited rideshare coverage may apply
- Ride accepted or passenger in vehicle: Up to $1 million in liability coverage may be available
Insurance companies often dispute which coverage applies, making experienced legal representation essential.
Common Injuries in Uber and Lyft Accidents
Rideshare accidents can result in serious injuries, including:
- Traumatic brain injuries (TBI)
- Neck and back injuries
- Spinal cord injuries
- Broken bones and fractures
- Internal organ damage
- Soft tissue injuries
- Psychological trauma and anxiety
Passengers often have no control over the vehicle, making them especially vulnerable during collisions.
What to Do After an Uber or Lyft Accident in Florida
If you are injured in a rideshare accident, your actions can impact your ability to recover compensation:
- 1.
- Seek immediate medical attention
- 2.
- Call law enforcement and obtain a police report
- 3.
- Take screenshots of the rideshare trip details in the app
- 4.
- Photograph the accident scene and vehicle damage
- 5.
- Collect contact information from witnesses
- 6.
- Avoid speaking with insurance adjusters alone
- 7.
- Contact Moore Payne Law as soon as possible
Rideshare companies and insurers often act quickly to limit liability. Early legal guidance is critical.
Compensation Available to Rideshare Accident Victims
Victims of Uber and Lyft accidents in Florida may be entitled to compensation for:
- Medical expenses and future treatment
- Lost wages and reduced earning capacity
- Pain and suffering
- Emotional distress
- Permanent disability or disfigurement
- Out-of-pocket expenses related to the accident
Moore Payne Law works to ensure compensation reflects both immediate and long-term consequences of the injury.
Challenges in Rideshare Accident Claims
Rideshare accident cases are often contested aggressively. Common challenges include:
- Disputes over the driver’s app status
- Conflicting insurance policies
- Delays in evidence production
- Attempts to minimize injuries
- Low settlement offers
Attorneys Geoff Moore and Spencer Payne understand these tactics and build strong, evidence-backed cases designed to withstand insurer resistance.
How Moore Payne Law Helps Rideshare Accident Victims
Moore Payne Law brings a trial-ready approach to every rideshare accident case. Their legal team:
- Investigates the crash and app data
- Identifies all insurance coverage
- Works with accident reconstruction experts
- Handles negotiations with insurers
- Prepares cases for trial when necessary
Clients receive personalized attention, clear communication, and aggressive advocacy throughout the process.
Protecting Florida Rideshare Accident Victims
Rideshare services may be convenient, but accidents involving Uber and Lyft can leave victims overwhelmed and uncertain about their rights. When negligence causes injury, accountability matters.
Moore Payne Law is committed to protecting Floridians and visitors injured in rideshare accidents. Attorneys Geoff Moore and Spencer Payne fight to ensure victims receive the compensation, support, and justice they deserve.
If you or a loved one has been injured in an Uber or Lyft accident in Florida, contact Moore Payne Law today for a free and confidential consultation.
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