Hiring a lawyer after an Uber accident in Florida is essential because the claims process is complicated and often contentious. For example, the rideshare driver must carry their own insurance, which in Florida is at least $10,000 of Personal Injury Protection (PIP) insurance and $10,000 in property damage liability coverage. In addition, they must carry rideshare insurance. Uber and Lyft must also have $1 million in third-party liability insurance. However, that coverage is only available at a particular point in the rideshare experience.
At Kogan & DiSalvo, we’ve represented car accident victims in Florida for decades and are well-versed in the complexities of rideshare accident claims. We fight for your rights and handle all the details, so you can focus on healing without the stress of navigating a case alone. Call us for a free consultation. We can answer your questions and assess your case to see if you have a viable personal injury claim.
Why Are Uber Accident Settlements Complicated?
As noted above, the rideshare driver must carry their own insurance, which in Florida is at least $10,000 of Personal Injury Protection (PIP) insurance and $10,000 in property damage liability coverage. In addition, they must carry rideshare insurance. Uber and Lyft must also have $1 million in third-party liability insurance. However, that coverage is only available at a particular point in the rideshare experience.
Four Relevant Phases in an Uber Accident Which Further Complicates Claims
In a rideshare, there are four relevant phases:
- Offline–During this period, the driver’s personal liability insurance provides coverage as the driver is not actively engaged in ridesharing.
- Available–When a driver’s rideshare app is on and waiting for a potential passenger, their personal rideshare policy is in effect. Uber or Lyft may provide a certain amount of liability coverage in this situation. For instance, Uber offers third-party liability coverage of $50,000 in bodily injury per person, up to $100,000 per accident. It also provides $25,000 in property damage per accident.
- En route–Once the Uber driver is en route to pick up a passenger, the Uber coverage of $1 million in third-party liability coverage kicks in. During this segment, some drivers may also have coverage from their personal rideshare policies.
- On trip–From the time the passenger is in the vehicle until they are dropped off at their destination, the Uber, Lyft, or other rideshare company’s insurance is in effect.
Your Lawyer Will Negotiate With Uber
The complicated legal requirements for Uber insurance coverage create several issues. Uber may claim, for example, that the driver was not en route or didn’t have the app engaged when the accident occurred. Refuting these assertions is challenging because Uber has exclusive access to the information you need to prove your version of events. This makes it easier for it to deny coverage.
How Kogan & DiSalvo Can Help
To counter the above, we can obtain internal information such as the driver’s cell phone records, internal accident reports, Uber emails, and other crucial evidence. We can also investigate the accident, interview witnesses, and gather accident-scene evidence to support your claim. Our team could negotiate the best possible settlement for you based on our investigation and analysis.
Contact Us for a Free Consultation
If you’ve been in an Uber accident, contact our car accident attorneys in Florida at Kogan & DiSalvo. Uber accidents are complicated to settle—we know from experience. Call now for a free, no-obligation consultation. We work on a contingency basis, so there are no upfront legal fees. We look forward to hearing from you.