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Can an Uber or Lyft Driver Hold the Company Accountable If They Are in an Accident?

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Can Uber’s Insurance Cover My Accident?

In most cases, both Uber or Lyft would not be directly responsible for an accident.  The driver and their insurance policy will usually cover injuries and vehicle damage for car accidents involving a ride sharing company like Uber or Lyft. However, drivers must have their own insurance policies. By ensuring that the driver has their own insurance, it increases the probability that the driver has some coverage that can help cover injuries to passengers, pedestrians, cyclists, or other drivers in the event that they cause an accident. 

What Happens if You Get Into an Accident with an Uninsured Car?

If you are not at fault and you get into an accident, you could be eligible for UM coverage. By definition, uninsured motorist (UM) coverage is car insurance policy that pays for medical bills or car repairs if you’re hit by a driver who without insurance. Ride sharing passengers and drivers can claim up to a max of $250,000 in UM benefits if the other car caused the crash. However, a ride sharing company like Uber does not have uninsured motorist insurance if the ride share driver is not with a passenger or en route for a pick up. Additionally, if the driver has the app on, but is not en route to pick up passengers or during trips, the rideshare company will not cover accidents. According to Florida law, ride sharing companies like Uber or Lyft do not need to provide uninsured motorist coverage.

In order to claim UM for medical injuries the passengers of the vehicle must have sustained substantial injuries. Here at PereGonza The Attorneys, our Miami personal injury lawyers are constantly explaining the importance of UM coverage in Florida through statistics. Visit our UM coverage blog to learn more about UM coverage.

What Steps Can I Take?

At PereGonza The Attorneys, we will inform you about your options for receiving compensation after a Uber or Lyft accident.  You may not be eligible for a lawsuit, but their insurance policies may still be able to cover your needs. A Miami personal injury attorney will ensure that the payments cover your full damages. 

If you have been involved in an accident as a rideshare driver for a company like Uber or Lyft, please fill out your information below to set up a free consultation with one of our Miami personal injury attorneys.


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