Reviewed by Mike Redondo, Founding Attorney, Redondo Law, P.A. • Updated September 2026
Uber and Lyft are everywhere in Miami, from airport pickups at MIA to late nights in Brickell, Wynwood and South Beach. When a rideshare trip ends in a crash, the injured person often faces two or three insurance companies at once, each pointing at the other.
Mike Redondo spent years defending major corporations before he started representing injured people. He knows how large companies and their insurers approach these claims, and he uses that experience to find every policy that applies to yours.
Who Can File a Rideshare Accident Claim?
You may have a claim if you were hurt in a crash involving an Uber or Lyft vehicle and you were:
- A passenger in the rideshare vehicle
- A driver or passenger in another vehicle
- A pedestrian, cyclist, or scooter rider
- A rideshare driver hit by someone else
How Rideshare Insurance Works in Florida
Florida law (Fla. Stat. § 627.748) sets minimum insurance for rideshare drivers. How much coverage applies depends on what the driver was doing in the app when the crash happened.
App Off
The driver is off the clock. Their own personal auto policy is usually the only coverage.
App On, Waiting for a Ride
At least $50,000 per person and $100,000 per crash for bodily injury, and $25,000 for property damage.
Ride Accepted Through Drop-Off
At least $1,000,000 in coverage for death, bodily injury, and property damage.
Uber and Lyft may carry coverage above these minimums. We request the actual policies in every case.
Florida PIP Usually Pays First
Florida is a no-fault state. In most crashes, your own Personal Injury Protection (PIP) coverage pays first, up to $10,000 for medical bills and lost wages. To use PIP, you generally must get medical care within 14 days of the crash. If your injuries are serious, you may be able to go beyond PIP and bring a claim against the at-fault driver and the rideshare insurance.
Who Is Responsible?
Uber and Lyft treat drivers as independent contractors, which limits when the companies themselves can be sued. But their insurance policies still apply during active periods. Depending on the facts, responsible parties may include:
- The rideshare driver
- Another driver who caused the crash
- The rideshare company’s insurer
- A vehicle or parts manufacturer, if a defect played a role
- A property owner or government entity, for dangerous road conditions
Why Rideshare Claims Get Complicated
- Several insurers. The driver’s policy, the rideshare policy, your PIP, and the other driver’s policy may all be involved.
- App data matters. Whether the app was on, and whether a ride was accepted, decides which coverage applies. That data has to be preserved quickly.
- Company terms. Rideshare terms of service can include arbitration and other provisions that affect how and where a claim is brought.
- Fault disputes. Under Florida’s modified comparative fault rule, insurers look for ways to shift blame to you.
What to Do After an Uber or Lyft Accident in Miami
- Call 911 and get a police report.
- Take photos of the vehicles, the scene, and your injuries.
- Screenshot the trip in your app: driver name, vehicle, route, and time.
- Report the crash in the Uber or Lyft app.
- Get the names, insurance, and contact information of everyone involved.
- See a doctor right away, and within 14 days to protect your PIP benefits.
- Do not give a recorded statement to any insurer before talking to a lawyer.
Florida Law Update: What Changed in 2023
Florida’s 2023 tort reform law (HB 837) changed the rules for most injury claims arising on or after March 24, 2023:
- Shorter deadline. Most negligence claims must now be filed within two years, down from four.
- Modified comparative fault. If you are found more than 50% at fault for your own injuries, you generally cannot recover anything. Below that, your recovery is reduced by your share of fault.
- Medical bills. New rules change how past and future medical expenses are proven, including disclosures for treatment under letters of protection.
Because the clock is shorter, talk to a lawyer as soon as possible. Call (305) 908-6778 any time, day or night.
Rideshare Accident FAQs
Can I sue Uber or Lyft directly?
Usually the claim runs through the driver and the company’s insurance, because drivers are independent contractors. There are exceptions, and the right answer depends on the facts of your crash.
How long do I have to file?
For most negligence claims arising on or after March 24, 2023, Florida gives you two years. Evidence like app data can disappear much sooner, so call as early as you can.
What if I was the rideshare driver?
If another driver caused the crash, you may have a claim against that driver. Your rights also depend on your own policy and the rideshare coverage in place at the time.
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