When it comes to rideshare accidents in Florida, understanding how uninsured or underinsured motorist coverage works is very important. Rideshare companies like Uber and Lyft have become popular for getting around, but accidents involving these services can lead to complicated legal and insurance situations. Uninsured and underinsured motorist coverage can play a big role in helping those involved in these accidents, especially when the person at fault does not have enough insurance to cover the damages. Knowing how this coverage applies in these cases can help you protect yourself financially and legally after an accident. At, Serrano Law , we are here to guide you through the legal process and help you navigate the complexities of your case.
What Is Uninsured and Underinsured Motorist Coverage?
Uninsured and underinsured motorist coverage is a type of insurance that provides protection when the at-fault driver does not have insurance or does not have enough to pay for the damages. In Florida, many drivers may carry only the minimum required insurance or none at all. This coverage is particularly important because it helps cover costs like medical bills, lost wages, and other damages when the at-fault driver cannot. For rideshare passengers, drivers, or other parties involved in a rideshare accident, this coverage can be a lifeline in ensuring that financial losses are covered.
How Rideshare Insurance Works in Florida
Rideshare companies are required by law to carry insurance that covers their drivers and passengers. However, the type of coverage and when it applies depend on the stage of the rideshare trip. If the driver is logged into the rideshare app but has not accepted a ride, there is a certain level of coverage. Once the driver accepts a ride and until the passenger is dropped off, a higher level of coverage applies. While these policies provide significant protection, there are situations where uninsured or underinsured motorist coverage can still be necessary. For example, if a third-party driver causes the accident and does not have enough insurance, uninsured or underinsured motorist coverage might step in to fill the gap.
What Happens When the At-Fault Driver Is Uninsured or Underinsured?
If the at-fault driver in a rideshare accident does not have insurance or has insufficient coverage, uninsured or underinsured motorist coverage can help. This type of insurance can cover medical expenses, property damage, and other losses that would otherwise go unpaid. In Florida, this is especially important because the state does not require drivers to carry bodily injury liability insurance. If the at-fault driver only has the minimum coverage, it is unlikely to be enough to cover all damages, especially in serious accidents. For rideshare passengers, this coverage is crucial because it ensures they are not left to handle medical bills and other costs on their own.
Founding Attorney Associate Attorney
Michael Serrano
Candace “Cea” Hartley
How Does Uninsured and Underinsured Motorist Coverage Apply to Rideshare Drivers?
For rideshare drivers, uninsured and underinsured motorist coverage can also be essential. While rideshare companies provide insurance for their drivers, there are gaps that could leave a driver vulnerable. For example, if the driver is not logged into the app when the accident happens, the rideshare company’s insurance might not apply. In this case, the driver would rely on their personal uninsured or underinsured motorist coverage. Even when logged into the app, if a third-party driver causes the accident and does not have enough insurance, the driver’s own uninsured or underinsured motorist coverage might be needed to cover expenses.
Uninsured and Underinsured Motorist Coverage for Passengers
Rideshare passengers are often in a vulnerable position after an accident. They may have injuries and medical bills, and it can be confusing to figure out who is responsible for paying. While the rideshare company’s insurance provides coverage, there are situations where uninsured or underinsured motorist coverage becomes necessary. For example, if the rideshare driver is not at fault and the at-fault driver does not have enough insurance, the passenger may need to rely on uninsured or underinsured motorist coverage. This can help ensure that the passenger is not stuck with unpaid bills and losses.
What Should You Do After a Rideshare Accident in Florida?
After a rideshare accident, it is important to take steps to protect yourself. Seeking medical attention should be a priority, even if injuries seem minor at first. Gathering information from the rideshare driver, the other driver, and any witnesses can also be helpful. Taking pictures of the accident scene and any damage can provide valuable evidence. Reporting the accident to the rideshare company and your own insurance company is also important. If you have uninsured or underinsured motorist coverage, notifying your insurer promptly can help ensure that you can make a claim if needed.
Mike Serrano’s law office was everything I needed after a very traumatic accident. He was always super up front and honest with me. I never got the feeling he was trying to sell me on something or to do something that I wasn’t comfortable with. He listened to my concerns and when it tough moments came that I needed to stand my ground. He backed me and made me feel 100% secure. He got me exactly what I needed in a settlement and I would never consider using anyone else. His office staff is also phenomenal.” - Mary Mike Serrano was a great attorney for my case!! He was very flexible with phone calls/ Zoom meetings. His staff are always friendly, whether it be on the phone or emails. They keep you updated during your entire case! They don’t leave you silent for months. if you call, they always call back with updates! Highly recommend!" - Kylie Collier Border I’ve never had to deal with a lawyer before but Mike has set the bar HIGH. He was always available to communicate my concerns and explain each step of the way. I know no other lawyer would have been able to achieve the same results because he jumped on an opportunity that was a little out of the ordinary and it paid off. He really fought for my case and over delivered. I really hope I never have another accident but if I do I’m running to Mike for help." - Sandy Carter
Common Challenges in Uninsured and Underinsured Motorist Claims
Filing a claim for uninsured or underinsured motorist coverage can come with challenges. Insurance companies may try to deny or reduce claims by arguing that the coverage does not apply or that the damages are not as significant as claimed. For rideshare accidents, these challenges can be even more complex because of the multiple parties and insurance policies involved. Working with a legal team can make a big difference in navigating these challenges and ensuring that you get the compensation you deserve.
Why Legal Help Is Important in Rideshare Accident Cases
Rideshare accidents can be more complicated than other types of car accidents because of the unique insurance issues involved. Having legal guidance can help you understand your rights and options, especially when dealing with uninsured or underinsured motorist claims. A lawyer can help you gather evidence, negotiate with insurance companies, and build a strong case to ensure you receive fair compensation. This support can be invaluable in helping you recover financially and physically after a rideshare accident.
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If you have been involved in a rideshare accident in Florida, understanding how uninsured and underinsured motorist coverage applies can make a big difference in protecting your rights. Whether you are a rideshare driver, passenger, or another party involved, this coverage can help ensure that your losses are covered, even when the at-fault driver does not have enough insurance. If you need assistance, the team at Serrano Law is here to help. Reach out to us today to discuss your case and explore your options for seeking compensation.