Rideshare accidents come with more questions than answers. Coverage changes based on trip status. Multiple insurance companies may get involved. And in a city as busy as Miami, determining fault can feel overwhelming.
You shouldn’t have to sort through all of that on your own. If you were hurt in an Uber or Lyft accident, our Miami legal team is here to help you understand your options and protect your rights. A free case review is available today.
Uber and Lyft accidents are different from regular car crashes. Instead of one insurance company, there may be several. Fault isn’t always clear. And liability depends heavily on what the rideshare driver was doing at the time of the collision.
Transportation network companies provide the app, set safety rules, and maintain insurance coverage. But the coverage only applies during certain parts of the trip.
Just like any vehicle crash, evidence matters. Police reports, photos, witness statements, and electronic trip data help determine who caused the collision. In Miami, accidents often involve fast-moving traffic, tourists unfamiliar with the roads, or multiple vehicles — all of which can complicate the analysis.
These cases involve layered policies, trip-status rules, and coordination between multiple parties. That’s why many people in Miami choose to work with a lawyer who understands how these claims move.
These cases involve layered policies and complex fault decisions. If you want to understand how these rules fit into Florida personal injury law, our main resource explains the broader claim process.
Insurance coverage in rideshare accidents depends on the driver’s trip status. This is the most important part of any Uber or Lyft case.
If the driver was not logged in, their personal auto insurance applies. Uber and Lyft do not provide coverage during this period.
When the driver is logged in but hasn’t accepted a request, Uber and Lyft provide contingent coverage. This usually includes limited liability protection that supplements the driver’s personal policy.
Once a trip has been accepted, higher liability limits apply. Coverage increases significantly at this stage.
If the passenger is in the vehicle, Uber and Lyft provide their full commercial policy, including substantial liability limits.
Understanding which of these categories applies to your situation is key to determining compensation.
We’ll be publishing a detailed guide on how insurers minimize payouts this month, including delay tactics and low-ball offers often used in Miami.
Rideshare collisions happen in many ways, and each one comes with its own insurance considerations. Common situations include:
If any of these situations sound familiar, you may have options for recovery.
Miami is one of the most active rideshare markets in the country. That creates both availability and risk.
These areas see thousands of rides each day. Heavy pickup and drop-off activity increases the chance of sudden stops and side-impact collisions.
Visitors often rely on rideshare services to get around. This leads to erratic maneuvers, unclear right-of-way decisions, and more frequent fault disputes.
I-95, US-1, and the MacArthur Causeway are among Miami’s most accident-prone corridors. Dense traffic and fast lane changes contribute to complex crash patterns.
Miami adjusters handle a high volume of claims. Quick settlement attempts, low initial offers, and long response delays are common challenges here.
If you need more location-specific guidance, our local Miami legal support page provides an overview of how our team serves clients throughout the city.
Taking a few careful steps can make a real difference in how your claim moves forward.
You can also find clear, step-by-step accident guidance if you need help understanding the first decisions after a collision.
Rideshare accident cases require careful coordination. Here’s how we support you throughout the process:
You don’t have to manage these details alone.
Your compensation depends on the facts of your case, but it may include:
Our goal is to help you understand the full scope of your losses so you can make informed decisions.
Many people feel unsure about what happens once a claim begins. Here’s a clear overview of what the process usually looks like:
We review what happened, your injuries, and your concerns. You get guidance on whether you have a case and what your next steps could be.
We gather evidence, request trip records, and review documentation from Uber, Lyft, and the insurance companies.
We analyze app information, driver status, and policy layers to determine which coverages apply.
Most cases resolve through settlement. We handle communication with all insurers to protect you from pressure tactics.
If negotiations result in a fair offer, we review it with you. If not, litigation may move the case forward.
To understand the financial structure, you can learn more about how contingency fees work on our fee resource page.
Yes. Coverage depends on whether the driver was logged into the app and what stage of the trip they were in.
Their personal auto insurance applies. Uber and Lyft typically do not cover off-app periods.
We review evidence, trip data, and witness statements to clarify fault and challenge inaccurate determinations.
Timelines vary depending on medical treatment, the number of insurers involved, and how long negotiations take.
Passengers are almost never considered at fault. Multiple policies may cover your injuries.
Deactivation doesn’t prevent a claim. The key factor is the driver’s trip status at the time of the collision.
If you were hurt in a rideshare accident, you don’t have to navigate the insurance process alone. Our Miami personal injury team is here to answer your questions, review your situation, and help you understand your next steps.
We’re available seven days a week
English and Spanish support
No fee unless we win
📞 Call us at (305) 707-3991
📩 Or send a message anytime through our contact form.
We’re here to help you move forward with clarity and confidence.
