Uber Accident Caused an Injury: What are your Legal Rights?
With apps like Uber and Lyft becoming more and more popular, accidents in these ridesharing vehicles are also becoming more prevalent. These ridesharing and Uber accidents are raising some important legal questions. Including, what to do if another driver’s negligence caused the crash with the ridesharing car, or who’s insurance covers medical bills and lost wages?
Who pays the bills?
Under Florida No-fault insurance if the Uber or rideshare service’s driver causes your injury, your PIP (Personal Injury Protection) should pay for your medical bills and lost wages up to $10,000, or $2,500 if your injury is not deemed an “emergency medical condition.” However, this PIP coverage will only work if you own a car or live with someone who owns a car. The Uber or rideshare service’s driver will not cover those expenses as the driver was being paid a fee, which makes this an exclusion in Florida. If your insurance has “Medpay” coverage, it could pay for medical bills, the 20% that PIP doesn’t pay
If the Uber driver caused your injury, there are two different scenarios for making a bodily injury claim (for pain and suffering, medical expenses and lost wages not covered by PIP). If the accident happened while the driver was on the way to pick someone up or going to a final destination, the James River Insurance Company policy covers the UberX drivers’ liability. This is from the time the driver accepts a pick-up request to the end of the trip (meaning the Uber liability policy pays before the Uber driver’s own policy).
If the Uber driver is logged in but did not actually accept a request, most personal insurance should provide coverage. However, the Uber driver is also backed by an additional policy that covers driver liability for bodily injury up to $50,000, per individual, per accident with a total of $100,000, per accident and up to $25,000 for property damage. This would only happen if the driver’s personal insurance declines or pays nothing.
What if another driver’s negligence caused my injury when I was in Uber accidents or other Ridesharing service?
If this happens, your PIP coverage should pay your medical bills and lost wages up to $10,000. If you don’t qualify for Florida PIP, again the Uber or rideshare service’s driver will not cover those expenses as the driver was being paid a fee, which makes this an exclusion in Florida. For Lyft, if the passenger doesn’t own a motor vehicle or live with someone who does, they qualify for PIP with Steadfast Insurance.
As with an Uber driver, if another driver causes the accident you are injured from, you can make a bodily injury claim to cover expenses that PIP will not. If the driver that causes the accident with the Uber doesn’t carry enough liability insurance, the Uber passenger can make a claim with any uninsured motorist coverage which they are insured. Additionally Uber’s $1 million dollar uninsured motorist insurance coverage with James River covers injury to all passengers of the rideshare vehicle. Lyft has $1 million dollar uninsured motorist coverage as well.