Navigating Car Accident Claims with Rideshare Services

Nov 7, 2025 | By: Julie Luhrsen

Getting into a car crash involving a rideshare service like Uber or Lyft introduces complications not present in typical auto accident cases. Who pays for damages changes based on what the rideshare driver was doing when the crash happened. For injured passengers or drivers, understanding the specific rules is important for protecting your right to compensation. Florida law has clear rules for these situations.

Insurance Coverage Levels Matter

Rideshare companies carry large insurance policies, but those policies only apply in certain situations. The level of coverage changes across three periods:

  • App Off: The driver’s personal auto policy applies. The rideshare company’s insurance offers nothing.
  • App On, Waiting for a Ride Request: A basic level of liability coverage from the rideshare company is active. This supplements the driver’s personal policy if necessary.
  • App On, Carrying a Passenger or Heading to Pick One Up: The highest level of coverage applies. This substantial coverage protects both passengers and others on the road.

    • Anyone involved in a crash must know which period applies at the moment of impact. This detail decides which insurance company handles the claim.

    Steps to Take After a Rideshare Crash

    Following a strict procedure after an accident will help your case.

    Secure the Scene and Get Medical Help

    Your first priority is safety. Get immediate medical attention for any injury, even minor ones. Report the crash to the police right away. Do not delay this step.

    Report the Accident Accurately

    Tell the rideshare company about the crash. Record the names of the driver and any witnesses. Take pictures of the vehicles and the scene. Note the time and date of the crash. These details become essential evidence.

    File Your Claim Correctly

    A claim against a rideshare company is complex. You must correctly identify all liable parties, which may include the rideshare driver, the rideshare company, and the other driver. Florida imposes strict deadlines for filing lawsuits. Missing a deadline means you lose your right to recover damages. Do not sign any documents from the rideshare company or their insurer without reviewing them carefully. They may try to get you to settle for too little money.

    Protect Your Rights; Get Legal Guidance

    The process of seeking compensation after a rideshare accident is confusing. The difference between a fair result and receiving little to no money often rests on the guidance of an experienced legal team. Do not attempt to negotiate with powerful insurance companies alone. Contact Luhrsen Goldberg LLC today to discuss your rideshare accident claim. We know the specific parts of Florida law that apply to Uber and Lyft cases.

    Featured Image: Andrey_Popov / Shutterstock