How Insurance Coverage Works in Florida Rideshare Accidents
One of the most confusing aspects of an Uber or Lyft accident is determining which insurance policy applies under Florida Statutes § 627.748 and which governs transportation network company insurance requirements. Coverage depends on the driver's status at the time of the crash:
- Driver is offline (app off):Only the driver's personal auto insurance applies, though many personal policies exclude coverage during rideshare activity.
- Driver is online, waiting for a ride request:Uber and Lyft provide limited liability coverage of $50,000 per person and $100,000 per accident, with $25,000 in property damage coverage.
- Driver has accepted a ride request or has a passenger:The rideshare company provides up to $1 million in liability coverage, plus uninsured/underinsured motorist coverage.
Our Crestview rideshare accident attorneys know how to identify every available insurance policy and build a liability claim that maximizes your recovery while you focus on medical treatment and healing.
Who Can Be Held Liable in Your Rideshare Accident Case?
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Identifying all liable parties is critical to maximizing your compensation. Multiple parties may share responsibility in a rideshare accident:
- The rideshare driver:Liable if they caused the crash through distracted driving, speeding, or other negligent behavior that violated Florida traffic laws.
- Other motorists:If another driver caused the collision, we pursue compensation through their insurance while exploring rideshare company coverage.
- Uber or Lyft:While drivers are classified as independent contractors, the companies may be liable for failing to properly screen drivers or if their technology contributed to the crash.
- Vehicle manufacturers:If defective brakes, tires, or steering caused the accident, we pursue product liability claims against the manufacturer.
- Maintenance providers:Companies or individuals responsible for inadequate vehicle servicing may share liability for mechanical failures.
Our Crestview Uber accident attorney team meticulously investigates every aspect of your case to identify all liable parties and available insurance coverage.

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Catastrophic Injuries Our Uber Accident Lawyers Handle
Rideshare accidents often result in severe injuries that require extensive medical treatment and long-term care:
- Traumatic brain injuries:Concussions and severe TBIs can cause cognitive impairment, memory loss, and personality changes that prevent you from returning to work.
- Spinal cord injuries:Damage to the spine can result in partial or complete paralysis, requiring lifelong medical care and adaptive equipment.
- Soft tissue injuries:While whiplash and sprains may seem minor initially, they can cause chronic physical pain and limited mobility that affects your quality of life for years.
- Orthopedic trauma:Serious fractures often require surgery, extensive physical therapy, and months away from work.
- Post-traumatic stress disorder:The emotional trauma of a rideshare accident can be just as debilitating as physical injuries, requiring ongoing mental health treatment.
We work with Dr. Timothy Brooks, M.D., our in-house medical physician, to understand how your injuries affect your life and pursue compensation for immediate medical expenses, future medical treatment, lost income, and the emotional toll of your accident.






