Who’s Liable After a Rideshare Accident in South Florida?
Who’s Liable After a Rideshare Accident in South Florida?
After a rideshare accident in South Florida, figuring out who’s responsible — the driver, the rideshare company, or another motorist — can be complicated. Here’s how liability really works and how to protect yourself.
After a rideshare accident in South Florida, figuring out who’s responsible — the driver, the rideshare company, or another motorist — can be complicated. Here’s how liability really works and how to protect yourself.
Why This Matters
When you’re in a regular car crash, it’s usually clear whose insurance applies. But with Uber and Lyft accidents, liability depends on when the accident happened, who was at fault, and whether the driver was logged into the app. Knowing these rules can make the difference between a denied claim and full compensation.
1. Understanding the Rideshare Liability “Phases”
Liability changes depending on what the rideshare driver was doing at the time of the crash:
Phase 0: App Off
If the driver wasn’t logged into the Uber or Lyft app, their personal auto insurance applies — the rideshare company won’t be involved.
Phase 1: App On, No Passenger Assigned
When the driver is available but hasn’t accepted a ride, Uber/Lyft provide limited liability coverage — usually less than what’s available during a trip.
Phase 2: Passenger Assigned or On Trip
Once the driver accepts a ride and until the passenger is dropped off, Uber/Lyft provide up to $1 million in liability coverage in Florida.
2. Who Can Be Held Responsible?
The Rideshare Driver — If they caused the accident through speeding, distraction, or other negligence.
Another Driver — If a third-party driver caused the collision.
The Rideshare Company — If the accident occurred during Phase 2 and your damages exceed the driver’s personal coverage.
3. Why Insurance Layers Matter
Rideshare accidents can involve multiple insurance policies, each with its own limits and exclusions. Without legal guidance, you could miss out on coverage you’re entitled to.
4. Steps to Protect Your Claim
Document the scene and save your ride receipt from the app.
Get medical care immediately — at CEDA, we provide same-day treatment with no ER delays.
Speak with an attorney before giving statements to insurance adjusters.
Key Takeaways:
Liability depends on whether the rideshare app was active and what stage the trip was in.
Multiple insurance policies may apply — but they won’t explain that to you.
Legal help ensures you access every possible source of compensation.
✅ Been in a South Florida Uber or Lyft accident? Call CEDA today. We’ll provide immediate medical care and connect you with an experienced rideshare attorney if needed — so you’re not left guessing about liability or coverage.
Why This Matters
When you’re in a regular car crash, it’s usually clear whose insurance applies. But with Uber and Lyft accidents, liability depends on when the accident happened, who was at fault, and whether the driver was logged into the app. Knowing these rules can make the difference between a denied claim and full compensation.
1. Understanding the Rideshare Liability “Phases”
Liability changes depending on what the rideshare driver was doing at the time of the crash:
Phase 0: App Off
If the driver wasn’t logged into the Uber or Lyft app, their personal auto insurance applies — the rideshare company won’t be involved.
Phase 1: App On, No Passenger Assigned
When the driver is available but hasn’t accepted a ride, Uber/Lyft provide limited liability coverage — usually less than what’s available during a trip.
Phase 2: Passenger Assigned or On Trip
Once the driver accepts a ride and until the passenger is dropped off, Uber/Lyft provide up to $1 million in liability coverage in Florida.
2. Who Can Be Held Responsible?
The Rideshare Driver — If they caused the accident through speeding, distraction, or other negligence.
Another Driver — If a third-party driver caused the collision.
The Rideshare Company — If the accident occurred during Phase 2 and your damages exceed the driver’s personal coverage.
3. Why Insurance Layers Matter
Rideshare accidents can involve multiple insurance policies, each with its own limits and exclusions. Without legal guidance, you could miss out on coverage you’re entitled to.
4. Steps to Protect Your Claim
Document the scene and save your ride receipt from the app.
Get medical care immediately — at CEDA, we provide same-day treatment with no ER delays.
Speak with an attorney before giving statements to insurance adjusters.
Key Takeaways:
Liability depends on whether the rideshare app was active and what stage the trip was in.
Multiple insurance policies may apply — but they won’t explain that to you.
Legal help ensures you access every possible source of compensation.
✅ Been in a South Florida Uber or Lyft accident? Call CEDA today. We’ll provide immediate medical care and connect you with an experienced rideshare attorney if needed — so you’re not left guessing about liability or coverage.
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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