Uber and Lyft are the two most well-known names synonymous with the ridesharing industry in the US. As of 2023, Uber accounts for 76% of the market share, while Lyft controls 26%. Despite the industry’s continued growth, it is no stranger to controversies. Although these companies take due care when hiring cab drivers, accidents have occurred in Florida and elsewhere. The lingering question is: who is liable for damages in the case of a rideshare accident in Florida?
Rideshare Accident Liability
In any automobile accident, a driver is liable for any damage caused by their negligence. However, in case of rideshare accidents, things may not be that simple as there is a third party involved – the ride sharing company. Things can become even more complicated by the fact that rideshare companies only act as a marketplace for drivers and riders. In other words, ridesharing drivers are not considered employees of these companies. Therefore, in many cases, pursuing a lawsuit against these companies may not be that straightforward.
Rideshare Insurance: Coverage Level throughout Driver Activity
The law makes it mandatory for ridesharing companies to maintain a minimum level of liability insurance coverage. However, the amount of coverage available depends on the specific phase of their work. The coverage offered varies depending on the below-mentioned three categories of their work –
- Coverage when the app is off: Uber and Lyft, two of the leading rideshare companies, offer no coverage when the app is off, or when the driver is using their vehicle for personal purposes. A driver can seek compensation from personal auto insurance policy in such cases.
- Coverage when the driver is seeking a rider: When the app is ON, and the driver is actively waiting for a request or seeking a rider, Uber and Lyft provide bodily injury coverage of up to $50,000 per person and $100,000 per accident, along with property damage coverage of up to $25,000.
- Coverage when the driver is transporting a rider or is enroute to pick up a passenger: In such cases, both Uber and Lyft provide third-party liability coverage of up to $1 million.
Seeking Compensation for Damages
In the aftermath of a rideshare accident in Florida, victims can seek compensation for various damages. This may encompass present and future medical costs, lost wages, and benefits. Damages extend to property repair or replacement, along with the intangible toll of physical pain, emotional distress, and diminished quality of life. In cases of wrongful death, families may pursue justice for the loss of a loved one. Also, legal avenues exist to address both economic and non-economic repercussions from such incidents.
Moreover, you should seek compensation for personal injury or wrongful death within 2 years of the Uber or Lyft crash.
Why You Need a Personal Attorney for Rideshare Accidents?
The legal proceedings after a rideshare accident can be complex and time-consuming. Getting your own rideshare accident lawyer after an accident is important. As rideshare drivers aren’t usually seen as regular employees suing the rideshare company directly may not be an option in many cases. A personal attorney, who knows all about rideshare problems, can help you a lot. They can deal with insurance issues and other legal stuff to make sure you get what you deserve for medical bills, lost wages, and how you feel emotionally. Having a rideshare accident lawyer on your side makes a big difference in getting things sorted after a rideshare accident.
