A rideshare trip should get you where you are going safely. When an Uber or Lyft crash leaves you seriously hurt, the questions start quickly: who pays, which insurance applies, and what happens next.
At Ferraro Law, our Uber accident lawyers and Lyft accident lawyers help people injured in rideshare crashes across Miami and Florida find those answers. Since 1985, we have represented people whose lives were changed by serious injuries. Whether you were a passenger, another driver, a pedestrian, or the rideshare driver yourself, we can help you understand your rights and pursue the compensation you need.
How Rideshare Insurance Works After an Uber or Lyft Accident in Florida
How Rideshare Insurance Works After an Uber or Lyft Accident in Florida
Florida regulates Uber, Lyft, and similar services as transportation network companies under section 627.748 of the Florida Statutes. After a crash, the insurance available depends largely on what the driver was doing in the app.
- App off: The driver’s personal auto insurance generally applies.
- Logged on and waiting for a ride request: Florida requires at least $50,000 per person and $100,000 per incident for death and bodily injury, and $25,000 for property damage.
- Ride accepted, on the way to the passenger or passenger in the vehicle: Florida requires at least $1 million for death, bodily injury, and property damage.
Personal injury protection and uninsured motorist coverage can also apply. The required coverage may come from the driver, the rideshare company, or a combination of both, so identifying which stage applied at the moment of impact is often one of the first steps in a rideshare claim.
Common Rideshare Accident Situations in Miami
Miami’s roads carry heavy rideshare traffic every day, from pickups at Miami International Airport and PortMiami to late-night trips through Brickell and along I-95 and the Palmetto Expressway. We represent people injured in situations such as:
Driver Negligence
Collisions caused by distracted driving, speeding, or reckless behavior by an Uber or Lyft driver.
Multi-Vehicle Crashes
Accidents involving several vehicles, where a rideshare driver may share responsibility with other motorists.
Passenger Injuries
Passengers hurt during a trip, whether their own driver or another vehicle caused the crash.
Other Motorists
Drivers and their passengers struck by a rideshare vehicle.
Pedestrian and Cyclist Accidents
People hit by a rideshare driver while walking or biking.
Catastrophic Injuries in Uber and Lyft Accidents
Catastrophic Injuries in Uber and Lyft Accidents
Some rideshare crashes cause injuries that permanently change a person’s life. We represent clients with traumatic brain injuries, spinal cord injuries, and severe burns, and families pursuing wrongful death claims when a crash takes a life.
These injuries carry medical, financial, and emotional costs that can continue for years, including surgery, rehabilitation, home modifications, and ongoing care. A catastrophic injury claim has to account for future needs, not just the bills that have already arrived. Our team works with medical and financial experts to document the full impact of the injury.
40+ Years of Fierce Representation
40+ Years of Fierce Representation
Since 1985, Ferraro Law has stood up for people harmed by negligence and corporate wrongdoing. Our attorneys have secured billions of dollars in verdicts and settlements for clients, and we bring that experience to rideshare cases from our headquarters in Miami.
Our attorneys have taken on major corporations, including companies in the transportation and technology sectors, in federal and state courts across the country.
Recently, Ferraro Law attorney Ignacio J. Segurola secured a $1,000,000 confidential settlement for a client who suffered catastrophic injuries in a rideshare accident.
Past results do not guarantee future outcomes. Each case is evaluated on its own facts and circumstances.
How Our Miami Rideshare Accident Lawyers Can Help
How Our Miami Rideshare Accident Lawyers Can Help
Free Consultation
We begin with a free consultation. We listen to what happened, review the information you have, and explain the legal options that may be available to you, with no obligation to move forward.
Investigation and Insurance Review
We gather the evidence that rideshare cases depend on, including app records, police reports, witness statements, video footage, and medical records. We identify every insurance policy that may apply, so no source of coverage is overlooked.
Steady Support and Communication
We keep you informed at every stage, answer your questions, and explain each decision before it is made, so you can focus on your recovery.
Do You Need an Uber or Lyft Accident Lawyer?
Do You Need an Uber or Lyft Accident Lawyer?
After a rideshare crash, it is normal to wonder whether you need a lawyer. Uber, Lyft, and their insurers have significant legal and insurance resources, and their goal is to limit what they pay. With layered coverage and several possible responsible parties, pursuing a claim on your own can be difficult.
An Uber accident lawyer can identify every source of coverage, handle communication with the insurers, and pursue compensation for your medical care, lost income, and recovery while you focus on getting better.
What to Do After an Uber or Lyft Accident
What to Do After an Uber or Lyft Accident
Your health comes first. Get medical attention as soon as possible, even if your injuries seem minor. When you are able, these steps can help protect a future claim:
- Report the crash to law enforcement
- Save screenshots of the trip details in the Uber or Lyft app
- Photograph the vehicles, the scene, and your injuries
- Collect contact information from the driver and any witnesses
- Avoid discussing fault or giving recorded statements to insurers before speaking with an attorney
Compensation in a Rideshare Accident Claim
Compensation in a Rideshare Accident Claim
Depending on the facts of the crash, people injured in rideshare accidents may be eligible to pursue compensation for:
Medical Treatment and Rehabilitation
Hospital care, surgery, therapy, and the ongoing treatment a serious injury may require.
Lost Wages and Future Earnings
Income lost during recovery and the long-term effect an injury may have on your ability to work.
Pain and Suffering
The physical pain, emotional distress, and loss of quality of life that follow a serious injury.
Property Damage
Repair or replacement of a vehicle or other property damaged in the crash.
Punitive Damages
In limited cases involving particularly reckless conduct, a court may award punitive damages to hold the responsible party accountable.
Florida Deadlines for Uber and Lyft Accident Claims
Florida Deadlines for Uber and Lyft Accident Claims
Under Florida Statutes § 95.11, personal injury claims accruing after March 24, 2023, have a two-year statute of limitations; earlier claims remain subject to the prior four-year period. Missing the deadline can end a claim before it begins. Read more in our guide to the statute of limitations for Uber or Lyft accident claims.
This is general information about Florida law, not legal advice on your specific case. The attorneys at Ferraro Law can review the facts and confirm what applies to you.
The Steps Your Uber Accident Lawyer Will Take
The Steps Your Uber Accident Lawyer Will Take
Initial Consultation
You share what happened and any documents you have, such as accident reports, medical records, or trip details.
Investigation and Evidence Gathering
Your legal team collects and preserves the evidence, including rideshare app records, driver information, and witness statements.
Claim Preparation
We document your injuries, losses, and future needs, and identify every applicable insurance policy.
Negotiation
We present your claim to the insurers and work toward a settlement that fairly addresses your losses.
Trial Preparation, If Needed
If a fair settlement is not offered, we prepare to present your case in court.
Ongoing Communication
Throughout the process, we keep you informed and explain each step before it happens.
Why Choose Ferraro Law for Your Rideshare Accident Case
Why Choose Ferraro Law for Your Rideshare Accident Case
You work with attorneys who know your case and take the time to understand your goals.
Rideshare cases can involve multiple parties, layered insurance, and corporate policies. We know how to work through them.
We explain your options at every stage, whether we are negotiating a settlement or preparing for trial.
We work on a contingency fee basis, so there are no hourly fees and no attorney fees unless we recover compensation for you.
We keep you informed and answer your questions in plain language, so you always understand where your case stands.
Headquartered in Miami, we represent clients throughout Florida and work with trusted local counsel when a case is in another state.
Meet Your Miami Rideshare Accident Attorneys
Meet Your Miami Rideshare Accident Attorneys
Learn More About Our Team
No legal outcome can undo a serious injury. Our attorneys combine decades of trial experience with steady, personal attention, so you have support and skilled legal counsel through every stage of your case.
Ignacio J. Segurola
Ignacio brings more than 20 years of trial experience in serious injury and wrongful death cases, including catastrophic crashes. A longtime advocate in South Florida courts and communities, he recently secured a $1,000,000 settlement in a catastrophic rideshare injury case.
Nikki Nicole Hurtado
Nikki focuses on product liability and environmental toxic tort cases, bringing strong trial skills and a deep commitment to community advocacy. Known for her clarity in the courtroom and collaborative style, she represents clients with precision, purpose, and heart.
Jose L. Becerra
Jose focuses on personal injury and product liability litigation, including asbestos, toxic torts, and talcum powder claims. Known for his trial skill and meticulous case workup, he’s helped secure more than $85 million in verdicts for clients across Florida and beyond.
Client Experiences
Client Experiences
“Ignacio was professional, knowledgeable, responsive, and genuinely caring throughout the entire process.”
Mariana R., Florida
“You not only told us it was going to be okay, you showed us that it’s going to be okay.”
SUZANNE
ASBESTOS & MESOTHELIOMA
This post is directed on the care and understanding that I was shown by Bertha(Berta) on my recent claims. She has great understanding of the process and I received great timely help from her.
Faith G.
I had a great experience working with Ignacio at this firm on my insurance claim after a car accident. He handled everything professionally and on time. He took care of the details and saved me a lot of time and effort. The claim was successfully resolved, and I received my payout. I’m very satisfied with his work and highly recommend Ignacio and the firm.
Anton T.
I had an excellent experience working with Ignacio Segurola at The Ferraro Law Firm, P.A. From the very beginning, Ignacio was professional, knowledgeable, responsive, and genuinely caring. He took the time to listen carefully, explain everything clearly, and make sure I understood each step of the process. Thank you, Ignacio!
Mariana R.
Stephanie and all the folks at the Ferraro Law Firm were professional and excellent in handling my case. Even more importantly they were very kind and treated me like family. I would wholeheartedly recommend them to anyone. Thank Y’all so much.
Matthew F.
Frequently Asked Questions
Frequently Asked Questions
Who pays if an Uber or Lyft driver hits me in Florida?
It depends on what the driver was doing in the app. If the app was off, the driver's personal insurance generally applies. If the driver was logged on, had accepted a ride, or had a passenger, coverage required by Florida's rideshare law may apply, with higher limits once a trip is underway. Your own personal injury protection may also play a role. An attorney can identify every policy that applies.
What if the Uber or Lyft driver denies responsibility?
When fault is disputed, evidence decides. We gather police reports, rideshare app data, video footage, witness statements, and, when needed, accident reconstruction to show what happened. Acting early helps preserve this evidence before it is lost or overwritten.
Does my PIP coverage apply in a rideshare accident?
In Florida, personal injury protection generally pays a portion of medical expenses and lost income regardless of who caused the crash. Whether your own policy or rideshare coverage pays first depends on your situation, including whether you were a passenger, a driver, or a pedestrian. When injuries are serious, PIP limits are often only a starting point, and other coverage may be available.
Can I still recover if I was partly at fault?
For most negligence claims arising after March 24, 2023, Florida follows a modified comparative fault rule. If you are found more than 50% at fault, you generally cannot recover damages. If your share of fault is 50% or less, your compensation may be reduced by that percentage. An attorney can review how fault may be assigned in your case.
What if I was the Uber or Lyft driver?
Rideshare drivers can be seriously hurt too. If another motorist caused the crash, you may have a claim against that driver. Depending on your app status at the time, coverage through the rideshare company, including uninsured motorist coverage, may also apply. We can review the policies involved and explain your options.
Should I accept the insurance company's first offer?
It is wise to speak with an attorney first. Early offers often come before the full extent of an injury is known, and accepting one usually ends your ability to pursue more later. This matters most with catastrophic injuries, where future medical care and lost earnings can be significant.
Will my rideshare accident case go to court?
Not always. Many rideshare accident claims resolve through settlement. If the insurers will not offer a fair amount, we may recommend filing a lawsuit and, if needed, presenting your case to a jury. We prepare every case as though it may go to trial, and we explain each option before you decide.
How much does a rideshare accident lawyer cost?
Ferraro Law works on a contingency fee basis, which means you pay no attorney fees unless we recover compensation for you. Your first consultation is free, and there is no obligation to move forward.
have more questions?
glossary of key terms
glossary of key terms
Transportation Network Company (TNC)
Florida’s legal term for app-based rideshare companies such as Uber and Lyft.
Personal Injury Protection (PIP)
Florida auto coverage that pays a portion of medical expenses and lost income regardless of fault.
Uninsured Motorist Coverage
Insurance that may apply when the at-fault driver has no insurance or not enough.
Negligence
A failure to use reasonable care, such as distracted or reckless driving.
Comparative Fault
A rule that can reduce or bar compensation based on each party’s share of fault.
Statute of Limitations
The legal deadline for filing a lawsuit.
Pain and Suffering
Compensation for physical pain, emotional distress, and reduced quality of life.
what’s next?
what’s next?
If you or a loved one was injured in an Uber, Lyft, or rideshare accident, Ferraro Law is here to help. We offer a free consultation, listen to your circumstances, and explain the steps toward the compensation you need for medical care, lost income, and the road to recovery. Tell us what happened.
The information on this website is for general purposes only and does not constitute legal advice or create an attorney-client relationship.
attorney referral program
attorney referral program
Ferraro Law is nationally renowned for achieving significant results in complex litigation. Firms across the country refer clients to Ferraro Law, recognizing our commitment to exceptional service, groundbreaking results, and readiness to tackle cases others find too risky or costly.
