Handling Rideshare Claims in Florida, Accident Injuries, and Insurance Coverage
Rideshare accident injuries include numerous complexities and legalities as you’re dealing with major corporations like Lyft or Uber and the involved insurance agencies. To protect your rights and seek maximum compensation for your damages, you must hire a lawyer. Personal injuries can cause life-altering expenses, so at Attorney Michael Appel, PLC, we will stop at nothing to fight for your case.
Car Accident Lawyer Explains The Basics Rideshare Insurance Claims
Major companies like Lyft and Uber must insure their drivers, though the policies only cover drivers actively logged into the app and waiting for a request, driving to pick up a passenger, or driving with a passenger in the car. Drivers not logged into the app or actively using it while driving must use their own personal insurance coverage. Uber and Lyft both have $1 million insurance policies for the covered instances. The policy breaks down further, depending on whether or not the driver has a passenger. Drivers without passengers have the following coverage amounts through the corporate policy:
- $25,000 in property damages
- $50,000 per person in death and bodily injury
- $100,000 per accident in bodily injury
- Personal injury protection (PIP) and uninsured/underinsured motorist coverage (UIM)
Drivers with a passenger have the following coverage:
- $1 million in liability coverage for property damage, bodily injury, and death
- PIP and UIM
Understanding your coverage rights is critical in seeking compensation after an accident. If you have a wreck, you should immediately contact a car accident lawyer to discuss your options before accepting any settlements. Rideshare drivers are contract workers, which means they do not have the same protection as full-time employees, so you need an injury-at-work lawyer to help you navigate your case.
Understanding Accident Liability in Miami, FL
Accidents involving rideshare vehicles include the same liability laws as any other crashes in Miami, FL. If a rideshare driver causes your accident, you may hold the company or driver accountable for your rideshare accident injuries. A personal injury attorney can help you collect evidence and determine liability to build your case.
What To Do After an Accident? An Attorney for Personal Injuries Explains:
- Report the Accident as soon as reasonably possible to law enforcement and seek medical attention if needed. If you are the Rideshare Passenger please also report the incident through your rideshare app as soon as reasonably possible.
- Take Photos of all vehicles involved and any and all visible injuries if you are able to. Remember, you are lawfully permitted to photograph the accident scene, the vehicle’s involved and the people involved. Identify and collect any information from potential eyewitnesses who were NOT involved in the accident as well as identify any residences or businesses in the vicinity with surveillance systems which may have captured the accident. Notify law enforcement of these surveillance systems.
- Promptly Exchange Driver’s License and Insurance information with the other parties involved. They may refuse to disclose this information and that is why you always involve law enforcement when you are involved in an accident.
- You may be approached at the scene or afterwards by unscrupulous persons claiming to offer assistance for your accident. Avoid these vultures as they prey on accident victims and promise everything, but deliver you absolutely nothing. Plus, their actions are illegal. Solicitation is a crime.
- If your vehicle requires towing from the scene make these arrangements yourself or direct the tow truck driver to deliver your vehicle to your home or a body shop of your choosing but only after you have spoken with that body shop and they are willing to take possession of your vehicle. Failure to do so may result in the imposition of excessive storage fees by the tow yard or body shop, or even the loss of your vehicle by sale to auction.
- If you suffered injuries please seek medical care as soon as reasonably possible.
- If you are contacted by any insurance company related to the accident it is best you take down their information: Name, Contact and Claim #.
- Promptly contact a personal injury attorney who knows your rights and how to navigate the claims and litigation processes. Remember that certain time limits may apply to your claim/litigation, thus you are encouraged to take this step as soon as reasonable possible.