Who is responsible for damages if I was injured while using Uber or Lyft in Florida?

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Rideshare services like Uber and Lyft are still a relatively new experience but have gained massive popularity for their ease of use and convenience over traditional transportation services such as taxis. States established laws intending to regulate these companies and their independent drivers. The responsibility for damages in a rideshare accident will depend largely on the circumstances of the accident itself, but Uber or Lyft’s third-party liability insurance can cover serious injuries or damage. Unfortunately, accidents involving vehicles driven for these companies can get complicated because of the many laws and insurance policy stipulations.

When a driver working for an employer causes an accident, the employer is usually responsible for damages. It’s easy to think that this may place the blame for any crash caused by your rideshare driver squarely on Uber or Lyft. Unfortunately, Florida law has found that rideshare companies do not fall under this law. So, in the case of a negligent employee, these companies may not be responsible. Thankfully, Uber and Lyft do carry great insurance policies that help riders and drivers.

Where To Seek Compensation

These companies take out a million-dollar insurance policy for their riders and drivers in the event of an accident. This is especially important, considering many drivers do not inform their personal insurance companies when they become rideshare drivers. Odds are your injuries would not be covered by an Uber/Lyft motorist’s personal insurance.

Additionally, you may make a claim with your own insurance company. In fact, regardless of fault in the accident, you will have to look to them for your initial $10,000 in medical bills and lost wages. You may also make a claim with your own insurer if your policy covers the event of an uninsured motorist causing your accident. It is essential that you always carry uninsured motorist coverage on your vehicle.

Why Legal Assistance Can Be Invaluable

While Uber and Lyft have their million-dollar insurance policies, it is quite possible they will reject a claim that is made against them. They may also offer less money than is necessary to compensate you for the damages you have suffered. It’s important to realize that they are working in their best interests, not yours.

The best chance of obtaining full compensation for your losses involves contacting an experienced attorney who knows how to handle insurance companies and personal injury cases. Proper documentation and preparation are key to obtaining compensation. Some doctors are more willing to get involved with a potential lawsuit than others, and with legal counsel, you’ll be able to find the right doctors to get help from. An informed lawyer can walk you through the steps necessary to protect your claim and stand up to giant corporations.


The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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