Hurt in an Uber or Lyft? An Orlando Uber accident lawyer sorts out who pays.
An Orlando Uber accident lawyer untangles the insurance layers after a rideshare crash in Florida: your own PIP, the driver’s personal policy and the Uber or Lyft policy that applies when the app is on. Passenger, driver, pedestrian or the other car, we find every source of coverage. No fee unless we recover.
More insurance means more ways to get stuck
We’re sorry this happened. You got in a car to get somewhere safely, and now you’re hurt and fielding calls from insurers who each say someone else should pay. While they point fingers, the clock keeps running.
The coverage runaround
The driver’s insurer says the app was on. The rideshare insurer says it wasn’t. You wait.
The recorded statement
A big commercial insurer calls to “get your side.” Your answers can be used to limit your claim.
The fast, low offer
A quick check before you know how badly you’re hurt, in exchange for signing away the rest.
What waiting can cost you
The 14-day window
Get treatment within 14 days, or PIP may not cover it.
The two-year deadline
Most Florida injury claims must be filed within two years of the crash.
App data disappears
Trip records and driver status need to be requested before they’re gone.
Bills pile up
Medical bills and missed work don’t wait for insurers to agree.
The insurance company has a team. Now you do too.
Get my free case reviewFlorida law, in plain words
Who pays after an Uber or Lyft crash in Florida
Florida law sets how much coverage Uber and Lyft drivers must carry, and the amount depends on what the driver was doing in the app when the crash happened. PIP still pays first for most injured people.
Your own PIP pays first
If you own a car, your PIP usually covers 80% of reasonable medical bills up to $10,000, even as a passenger. Treatment must start within 14 days.
App off: the driver’s personal policy
If the driver wasn’t logged in, only their personal auto policy applies, and personal policies often exclude rideshare driving.
App on, waiting for a ride request
Florida requires at least $50,000 per person and $100,000 per crash in bodily injury coverage, plus $25,000 for property damage.
On the way to you, or during your trip
Once a ride is accepted until drop-off, Florida requires at least $1 million in liability coverage, the policy that matters most for passengers and people the driver hits.
Fault still matters
If another driver caused the crash, their insurer is responsible too. Your recovery is reduced by any share of fault, and is barred above 50%.
During a trip
$1 million
The minimum liability coverage Florida requires from the time a driver accepts a ride until the passenger gets out. Getting to it means proving what the app showed.
Central Florida rides
Who we help after a rideshare crash
Between Orlando International Airport, the theme parks, International Drive and downtown nightlife, Central Florida runs on rideshare. Whoever you were in the crash, the first step is the same: lock down the trip records and figure out which policy was in force.
Passengers
You had no control over the car. Your PIP pays first, then the rideshare policy, the other driver’s insurer, or both.
Rideshare drivers
Hurt while driving for Uber or Lyft? Your own PIP, the company’s coverage and the at-fault driver’s policy may all apply.
Other drivers and pedestrians
Hit by a rideshare driver? Their app status decides which policy pays, and the trip coverage can be far higher than a personal policy.
Visitors and airport rides
Hurt on a trip to the parks or from MCO? We can handle the case while you’re back home, and meet by video.
What you can recover after a rideshare crash
PIP is only the start. When a driver is at fault, a claim against their insurance or the rideshare policy can cover what PIP never will. We wait until your doctors can tell us what your recovery will really cost.
- Medical bills PIP didn’t cover, now and in the future
- Lost wages, and lost earning power if you can’t do the same work
- Pain, suffering and the life you couldn’t live while healing
- Scarring, disfigurement and permanent limits on what you can do
- For drivers: your car repaired or replaced and lost rideshare income
- For families after a fatal crash: funeral costs, lost support and lost companionship
Free checklist
After a Florida crash: the first 14 days
Not ready to call? That’s okay. This checklist covers what to do now so you don’t lose benefits you’re owed.
- The doctor visit that protects your PIP benefits (the 14-day window)
- The photos and records to collect right away
- What not to say to the other driver’s insurer
No sign-up. Check it off on your phone, or print it for your glovebox.
Proof, not promises
Real people, real results
Recovered for an injured rideshare passenger
[$X]
[Crash type, place and year: one sentence on the injuries and which policies paid.]
Every case is different. Past results don’t guarantee a similar outcome.
“Two insurance companies kept blaming each other. Sunshine figured out which one had to pay and handled everything. I just focused on getting better.”
Placeholder result and sample review shown for layout. Replace with a verified result and a real Google review, approved under Florida Bar Rule 4-7, before launch.
Three simple steps
Your Uber or Lyft case, in three steps
- 1
Tell us what happened
A free call with an attorney, in English or Spanish. Screenshot your trip receipt if you can; it helps.
- 2
We find every policy
We request the trip data, notify the driver’s insurer, the rideshare insurer and any other driver’s company, and take the calls.
- 3
You heal, we push for a fair recovery
When your treatment is clear, we demand what your injuries are worth and negotiate hard. If no one will be fair, we’re ready for trial.
Where you end up: moving forward again
Before
- Overwhelmed and in pain
- Alone against the insurance company
- Treated like a claim number
With Sunshine
- Informed at every step
- Protected by a team that fights for you
- Back on your feet
The right doctors
Treatment that actually helps you heal, with second opinions when they matter.
Bills and lost wages recovered
Medical bills covered and the paychecks you missed made up.
Your routine back
Back to work, school and the places you need to be.
Peace of mind
No more insurers passing you around. You always know what’s next.
Every case is different. Past results don’t guarantee a similar outcome.
Our promise
We treat your case as if it were our own.
What it costs, and why Sunshine
Rideshare accident attorneys who untangle the insurance
After an Uber or Lyft crash, most Floridians end up stuck between insurers who each say it’s someone else’s turn to pay. Sunshine State Law Firm takes on that fight and keeps you informed every step of the way, so you can heal and get back to your life. No fee unless we recover for you.
- No fee unless we recover for you. The percentage is in writing before you sign, along with the Statement of Client’s Rights Florida requires.
- You’ll always know who’s handling your case, with updates by text, email and phone.
- Hablamos español, from the first call to the final check.
- No question is a dumb question. We explain every step in plain words.
Rideshare and crash guides
Can you sue Uber for an accident? Uber and Lyft in Florida
Can you sue Uber for an accident in Florida? Who pays after an Uber or Lyft crash, how the $1 million policy works, and what riders and drivers should do.
Read the guide
How medical bills are paid after a car accident in Florida
How medical bills are paid after a Florida car accident: PIP first, then MedPay, health insurance and the at-fault driver, plus how liens work.
Read the guide
Should I accept the first car accident settlement offer?
Got a first settlement offer after a car accident? Why early offers run low in Florida, what signing a release means, and how to respond.
Read the guide
Uber and Lyft accident questions we hear every day
No question is a dumb question. Here are the ones we hear most.
Usually your own PIP first, if you have it. Beyond PIP, the rideshare company’s policy applies during the trip, with at least $1 million in liability coverage, and the other driver’s insurer may be responsible if they caused the crash.
Uber and Lyft accidents in FloridaUsually the claim runs through the insurance the company carries for its drivers rather than the company itself, because drivers are treated as independent contractors. What matters most is proving which policy was active, and we handle that.
Possibly. A PIP policy belonging to someone in your household may cover you. If no one in your home has PIP, coverage connected to the vehicle you were in may apply. We sort out which one.
Nothing up front. We work on a contingency fee: our fee is a percentage of what we recover, and you owe no attorney’s fee if we don’t recover. The percentage and how case costs are handled are in a written agreement you see before you sign.
It depends on your app status and who caused the crash. Your own PIP, the at-fault driver’s insurance and the coverage Uber or Lyft provides can each play a part. Your personal policy may also have a rideshare endorsement.
For crashes since March 24, 2023, Florida generally gives you two years from the date of the crash to file a lawsuit. The 14-day window to start treatment for PIP comes much sooner.
Florida injury deadlines, explainedTell us your story. We’ll take it from here.
A free, personal conversation with an attorney. No pressure, no fee unless we recover for you.
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