How Rideshare Accident Claims Work in Florida
How Rideshare Accident Claims Work in Florida
Rideshare accidents in Florida involve unique insurance rules and tight deadlines. Here’s a clear breakdown of how Uber and Lyft claims work — and how to protect your rights after a crash.
Rideshare accidents in Florida involve unique insurance rules and tight deadlines. Here’s a clear breakdown of how Uber and Lyft claims work — and how to protect your rights after a crash.
Why This Matters
Rideshare accidents aren’t like regular car accidents. With Uber and Lyft, liability and insurance coverage depend on what the driver was doing at the time of the crash — and these details can make or break your case. Understanding the process helps you avoid costly mistakes.
1. Who Pays After a Rideshare Accident in Florida?
In Florida, rideshare accident claims are influenced by the driver’s app status at the time of the crash:
App Off → The driver’s personal auto insurance applies.
App On, Waiting for a Ride Request → Limited rideshare company coverage may kick in ($50,000 per person / $100,000 per accident for bodily injury).
Ride Accepted or Passenger in Car → Uber/Lyft’s $1 million liability policy applies.
2. Florida’s No-Fault Law Still Applies
Florida is a no-fault state, meaning your Personal Injury Protection (PIP) covers initial medical expenses regardless of who caused the accident. However, rideshare accidents often involve serious injuries that exceed PIP limits — that’s when the at-fault party’s insurance matters.
3. The Importance of Quick Medical Documentation
Insurance companies will look for any reason to reduce or deny your claim. Gaps in treatment can be used against you, so it’s critical to seek care right away. At CEDA, we can provide same-day appointments and complete medical documentation for your case.
4. Filing Your Claim
You may need to file:
A claim with your own PIP insurance
A claim with Uber or Lyft’s insurer
A claim with the at-fault driver’s personal insurer (if coverage applies)
5. Common Mistakes That Can Hurt Your Claim
Waiting too long to see a doctor
Giving recorded statements to insurance adjusters without legal advice
Accepting a quick settlement without understanding the long-term costs of your injuries
6. How CEDA Helps Streamline the Process
Medical Care: Same-day evaluations from trauma specialists.
Attorney Connection: If needed, we connect you with a personal injury attorney experienced in rideshare accident claims.
Case Coordination: We help ensure your medical documentation is complete, accurate, and ready for legal use.
Key Takeaways:
Rideshare claims in Florida depend heavily on the driver’s app status.
Medical documentation and quick action are critical to protecting your case.
CEDA helps you handle both your recovery and your legal needs in one place.
💡 If you’ve been in a rideshare accident in South Florida, call CEDA today for fast medical care and guidance on your next steps.
Why This Matters
Rideshare accidents aren’t like regular car accidents. With Uber and Lyft, liability and insurance coverage depend on what the driver was doing at the time of the crash — and these details can make or break your case. Understanding the process helps you avoid costly mistakes.
1. Who Pays After a Rideshare Accident in Florida?
In Florida, rideshare accident claims are influenced by the driver’s app status at the time of the crash:
App Off → The driver’s personal auto insurance applies.
App On, Waiting for a Ride Request → Limited rideshare company coverage may kick in ($50,000 per person / $100,000 per accident for bodily injury).
Ride Accepted or Passenger in Car → Uber/Lyft’s $1 million liability policy applies.
2. Florida’s No-Fault Law Still Applies
Florida is a no-fault state, meaning your Personal Injury Protection (PIP) covers initial medical expenses regardless of who caused the accident. However, rideshare accidents often involve serious injuries that exceed PIP limits — that’s when the at-fault party’s insurance matters.
3. The Importance of Quick Medical Documentation
Insurance companies will look for any reason to reduce or deny your claim. Gaps in treatment can be used against you, so it’s critical to seek care right away. At CEDA, we can provide same-day appointments and complete medical documentation for your case.
4. Filing Your Claim
You may need to file:
A claim with your own PIP insurance
A claim with Uber or Lyft’s insurer
A claim with the at-fault driver’s personal insurer (if coverage applies)
5. Common Mistakes That Can Hurt Your Claim
Waiting too long to see a doctor
Giving recorded statements to insurance adjusters without legal advice
Accepting a quick settlement without understanding the long-term costs of your injuries
6. How CEDA Helps Streamline the Process
Medical Care: Same-day evaluations from trauma specialists.
Attorney Connection: If needed, we connect you with a personal injury attorney experienced in rideshare accident claims.
Case Coordination: We help ensure your medical documentation is complete, accurate, and ready for legal use.
Key Takeaways:
Rideshare claims in Florida depend heavily on the driver’s app status.
Medical documentation and quick action are critical to protecting your case.
CEDA helps you handle both your recovery and your legal needs in one place.
💡 If you’ve been in a rideshare accident in South Florida, call CEDA today for fast medical care and guidance on your next steps.
Learn More
Injured and not sure what to do next?
We’ll guide you through everything you need to know.
Injured and not sure what to do next? We’ll guide you through everything you need to know.
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