Uber or Lyft Passengers
Passengers injured while being transported during a prearranged ride.
St. Johns Law Group · St. Augustine, Florida
St. Augustine Uber & Lyft Accident Lawyers
Rideshare Passengers, Drivers & Other Motorists. Florida Insurance Can Depend on App Status.
Injured in a crash involving an Uber, Lyft or other transportation network company vehicle? St. Johns Law Group helps injured passengers, rideshare drivers, pedestrians, bicyclists and other motorists investigate liability, determine the driver's rideshare status and identify potentially available automobile insurance.
Rideshare claims can be more complicated than ordinary car-accident claims because the applicable insurance may change depending on whether the driver was offline, logged into the app waiting for a request, or engaged in a prearranged ride.
In a Rideshare Crash?
Preserving the ride and app-status information can be important to identifying coverage.
✓Free initial rideshare accident consultation.
✓No attorney's fee unless compensation is recovered.
✓Review of app status, trip records and potentially applicable policies.
✓Local representation backed by SJLG's litigation team.
Florida Rideshare Accident Claims
The Driver's App Status Can Change the Insurance Analysis
One of the first questions after a rideshare crash is often whether the driver was offline, merely logged into the app, or engaged in a prearranged ride.
Florida law regulates insurance for transportation network companies and participating TNC drivers. The statutory coverage requirements differ depending on the driver's status at the time of the crash.
The investigation can include the rideshare trip receipt, app records, crash report, driver statements, insurance information, vehicle data and other evidence showing whether a ride had been accepted or was underway.
- Injured Uber and Lyft passengers
- Rideshare drivers injured by another motorist
- Other motorists struck by a rideshare vehicle
- Pedestrians and bicyclists struck by rideshare vehicles
- Multi-vehicle rideshare crashes
- Serious injury and wrongful-death claims
Rideshare Accident Claims
Who May Have a Claim?
The injured person does not have to be the rideshare passenger for rideshare insurance and app status to matter.
Rideshare Drivers
Drivers injured because of another motorist's negligence while using the platform.
Other Motorists
Drivers and passengers in another vehicle struck by a rideshare vehicle.
Pedestrians
Pedestrians injured by a rideshare vehicle in downtown, beach or other high-traffic areas.
Bicyclists & E-Bike Riders
Riders injured in a collision involving a TNC vehicle.
Families After a Fatal Crash
Wrongful-death claims arising from fatal rideshare-related collisions.
Personal Injury Counsel
Rideshare Claims Require Both Accident and Coverage Analysis
Joshua R. Saxon · Personal Injury & Civil LitigationJoshua R. Saxon leads St. Johns Law Group's personal injury practice and represents clients in motor-vehicle, rideshare and other serious injury claims.
A rideshare case may require proof of how the crash occurred and separate investigation of the driver's platform status, personal auto policy, TNC-provided coverage, UM/UIM coverage, PIP benefits and other potentially applicable insurance.
- Personal injury and civil litigation practice
- More than 18 years of litigation experience
- Licensed in Florida and Georgia
- State and federal court litigation experience
- Supported by St. Johns Law Group's broader litigation team
Florida TNC Insurance
Insurance Requirements Depend on the Rideshare Driver's Status
Florida Statute § 627.748 imposes different requirements while a driver is logged in but waiting and while the driver is engaged in a prearranged ride.
Personal Use of the Vehicle
Personal auto policy generally becomes central.When the driver is not logged onto the TNC's digital network, the special TNC coverage requirements in § 627.748(7) do not apply merely because the driver sometimes drives for a rideshare company. Actual policy terms and other coverage still require review.
Waiting for a Ride Request
$50,000 / $100,000 / $25,000 minimum liability structureFlorida law requires at least $50,000 for death or bodily injury per person, $100,000 per incident, and $25,000 for property damage while a participating TNC driver is logged on but not engaged in a prearranged ride. The statute also requires PIP and UM/UIM coverage as provided by the referenced Florida statutes.
Accepted Ride Through Passenger Exit
At least $1 million in primary liability coverageUnder Florida law, a prearranged ride begins when the driver accepts a ride request through the TNC's digital network, continues while the rider is transported, and ends when the last rider exits. During that period, the statute requires at least $1 million in primary automobile liability coverage, together with specified PIP and UM/UIM coverage.
The rideshare company's name alone does not identify the applicable policy.
App status, trip timing, who caused the crash, the injured person's status, personal policies, UM/UIM coverage and other facts should be investigated before evaluating available insurance.
After a Rideshare Crash
Five Steps That Can Help Preserve the Claim
Get Medical Care
Obtain appropriate treatment and document accident-related symptoms and injuries.
Report the Crash
Contact law enforcement when appropriate and preserve the crash-report information.
Preserve the Trip
Save the ride receipt, screenshots, driver information, pickup and destination details, and app communications.
Document the Scene
Photograph vehicles, road conditions, injuries and other relevant evidence when safely possible.
Review the Insurance
Identify personal, TNC, PIP, UM/UIM and other potentially applicable coverage before assuming limits.
Rideshare Evidence
Digital Records Can Be Just as Important as the Crash Scene
Trip Receipt & App History
Electronic records may help establish whether a ride was accepted, underway or completed when the crash occurred.
Driver Status
The driver's disclosure, platform records and insurance information may help establish whether the driver was logged in and engaged in a prearranged ride.
Crash Evidence
Police reports, photographs, vehicle damage, video, electronic data and witnesses remain important to determining fault.
Insurance Documents
Personal auto, TNC-provided, UM/UIM and other policies may need to be identified and compared with the driver's status.
Who May Be Responsible?
Rideshare Status Does Not Replace the Ordinary Fault Investigation
The insurance analysis is only one part of the case. Responsibility for causing the crash still must be evaluated.
Rideshare Driver
A participating driver may be negligent because of speeding, distraction, unsafe lane changes, failure to yield or other driving conduct.
Another Motorist
A passenger or rideshare driver may be injured because an unrelated motorist caused the collision.
Multiple Drivers
Multi-vehicle collisions may require allocation of fault among more than one driver and evaluation of several policies.
Other Responsible Parties
Depending on the facts, vehicle owners, employers, commercial defendants or other entities may require investigation.
Florida Auto Benefits
PIP and UM/UIM Can Matter in a Rideshare Claim
Personal Injury Protection
Florida's TNC statute requires specified PIP coverage while a driver is logged onto the network and during a prearranged ride. Which PIP coverage applies to a particular injured person depends on the facts, policy and statutory framework.
Uninsured / Underinsured Motorist Coverage
UM/UIM coverage can become important when the at-fault driver does not have enough liability insurance. Potential TNC, personal or household UM/UIM coverage should be investigated.
Passenger's Own Coverage
A rideshare passenger may also have personal auto or household coverage that requires review depending on the claim and policy language.
Coverage Disputes
Insurers may dispute app status, policy applicability, causation, fault or damages, making documentation of the ride and crash important.
Evaluating Losses
What Compensation May Be Available?
Recoverable damages depend on liability, causation, injuries, applicable law, insurance and supporting evidence.
Medical Expenses
Emergency care, physicians, imaging, therapy, surgery and other accident-related treatment.
Future Medical Care
Reasonably anticipated treatment, rehabilitation and other future medical needs.
Lost Income
Income lost because accident-related injuries prevented or limited work.
Loss of Earning Capacity
Potential future economic loss caused by lasting impairment.
Pain & Suffering
Qualifying non-economic damages where recoverable under Florida law.
Permanent Injury
Damages associated with lasting physical limitations, disability or disfigurement.
Property Damage
Vehicle and other property losses where legally recoverable.
Wrongful Death
Separate Florida damages may be available following a fatal rideshare-related crash.
What Happens Next?
The Rideshare Accident Claim Process
01Consultation
02Crash Investigation
03App-Status Review
04Coverage Analysis
05Damage Evaluation
06Negotiation
07Litigation When Needed
Full-Firm Legal Resources
Rideshare Insurance Complexity Can Lead to Litigation
App status, liability, causation, coverage and damages may all be disputed.
St. Johns Law Group's personal injury practice is supported by a broader team of civil litigators and legal professionals. When a rideshare claim requires discovery, subpoenas, depositions, expert analysis, mediation, trial preparation or courtroom advocacy, those resources are available within the same law firm.
3 • 3 • 3
3 Jury Trials • 3 Months • 3 Wins
Recent civil jury-trial experience across the SJLG litigation team.
Every matter is different. Past results do not guarantee or predict a similar result in any future case.
Related Personal Injury Matters
Explore Accident-Specific Resources
Uber & Lyft Accident FAQs
Common Questions About Florida Rideshare Claims
How is an Uber or Lyft accident different from a regular car accident?
The fault investigation may look similar, but rideshare claims add an important coverage question:
what was the driver's status on the TNC platform when the crash occurred? Florida imposes different
TNC insurance requirements depending on that status.
How much insurance applies when a rideshare driver is waiting for a ride?
Florida § 627.748 requires at least $50,000 in bodily-injury/death liability per person,
$100,000 per incident and $25,000 in property-damage liability while a participating TNC
driver is logged on but not engaged in a prearranged ride. The statute also requires specified
PIP and UM/UIM coverage.
How much insurance applies during an accepted Uber or Lyft ride?
Florida law requires at least $1 million in primary automobile liability coverage while the
TNC driver is engaged in a prearranged ride. A prearranged ride begins when the driver accepts
the request through the digital network and ends when the last rider exits the vehicle.
What if the rideshare driver was offline?
If the driver was not logged into the rideshare network, the special TNC insurance requirements
in § 627.748 generally are not triggered merely because the driver also works for a rideshare service.
The driver's personal policy and other potentially applicable insurance should be reviewed.
What if another driver caused the crash while I was an Uber or Lyft passenger?
The at-fault motorist's liability coverage may be central, but the rideshare-related insurance,
UM/UIM coverage, PIP and other policies may also require investigation depending on the facts.
What should I save from the rideshare app?
Preserve the trip receipt, driver's name and vehicle information, pickup and destination,
timestamps, screenshots, messages and any crash-related communications available in the app.
Can a pedestrian or bicyclist have a claim against rideshare insurance?
Potentially. A person injured outside the rideshare vehicle may still have a claim when a participating
TNC driver caused the crash. The driver's app status and applicable coverage should be investigated.
Does Florida comparative negligence apply to rideshare accidents?
Florida comparative-fault principles can affect applicable negligence claims when the injured person
is alleged to share responsibility. The effect depends on the particular claim and facts.
How long do I have to file a Florida rideshare injury lawsuit?
Florida generally provides a two-year limitations period for actions founded on negligence,
but the correct deadline depends on the claim, defendant, accident date and any special statutory
requirements. Evidence and insurance claims should be addressed much sooner.
Florida Personal Injury Resources
Guides, FAQs & Injury Tools
Continue exploring Florida personal injury law and claim evaluation.
FAQ Center
Florida Personal Injury FAQs
Answers concerning insurance, damages, deadlines and personal injury litigation.
View FAQs → Florida LawComparative Negligence in Florida
Learn how allegations of shared fault may affect a Florida personal injury claim.
Learn More → Interactive ToolFlorida Personal Injury Settlement Calculator
Explore factors that may influence the potential value of an injury claim. Educational purposes only.
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St. Augustine & Northeast Florida
Rideshare Traffic Is Part of St. Augustine's Tourist and Local Transportation Network
Rideshare vehicles regularly operate around the historic district, Bridge of Lions, St. Augustine Beach, hotels, restaurants, attractions, Anastasia Island and residential communities.
St. Johns Law Group is based in St. Augustine and represents injured clients throughout St. Johns County and surrounding Northeast Florida.
St. Johns County
St. Augustine, St. Augustine Beach, Ponte Vedra, Nocatee, Vilano Beach, Silverleaf, World Golf Village, Fruit Cove and Julington Creek.
Historic & Tourist Areas
Downtown St. Augustine, Anastasia Island, A1A, hotels, attractions, restaurants and beach communities.
Flagler & Duval Counties
Palm Coast, Flagler Beach, Jacksonville and the Jacksonville Beaches when appropriate.
Clay & Putnam Counties
Green Cove Springs, Fleming Island, Middleburg, Palatka and surrounding Northeast Florida communities.