Orlando Uber & Lyft Accident Lawyer
Hurt in an Uber or Lyft crash in Central Florida? Rideshare claims don’t work like an ordinary car accident — multiple insurance policies, app records, and corporate adjusters are all in play. Josh Frick fights to hold the right parties accountable so you recover fully.
Rideshare accidents are not ordinary car accidents
When you’re injured in a crash involving an Uber or Lyft — whether you were a passenger, another driver, a cyclist, or a pedestrian — you’re no longer dealing with one driver and one insurance policy. You may be dealing with the driver’s personal insurer, the rideshare company’s commercial coverage, and Florida’s no-fault PIP system all at once. Which policy pays, and how much, depends on exactly what the driver was doing in the app at the moment of the collision.
That complexity is precisely where injured people lose money. Adjusters know most claimants don’t understand how the coverage tiers work, and they count on it. The Frick Law Firm handles the app records, the liability fight, and the negotiation so you don’t settle for less than your claim is worth.
How Uber & Lyft insurance coverage works in Florida
Rideshare companies in Florida are required to carry coverage that changes based on the driver’s status in the app. Understanding which “period” applied to your crash is often the single biggest factor in your claim.
The driver wasn’t logged in. Only their personal auto insurance applies — the rideshare company’s coverage does not.
Logged in and waiting for a request. Contingent liability applies — commonly $50,000 per person, $100,000 per crash, plus $25,000 property damage.
Driving to pick you up or with a passenger on board. The rideshare company’s $1 million third-party liability policy is in effect.
Coverage amounts reflect general Florida rideshare requirements and can change. The figures that apply to your case depend on the facts — we confirm them with the app data and the policies.
Who is liable for an Uber or Lyft crash?
Liability isn’t automatic, and it isn’t always the rideshare driver. Depending on how the collision happened, a recovery may come from one or more sources:
The rideshare driver
If the Uber or Lyft driver caused the crash, their coverage — personal or the company’s, depending on the period above — is the primary target.
A third-party driver
If another motorist caused the crash while you were riding, you may have a claim against that driver and, where their coverage falls short, against the rideshare company’s uninsured/underinsured motorist coverage.
Florida PIP / no-fault
Florida is a no-fault state. Your own Personal Injury Protection (PIP) may pay first regardless of fault, but PIP rarely covers serious injuries in full — which is why the liability claim matters.
What to do after a rideshare accident in Orlando
- Get medical care — and keep going. Your health comes first, and a documented treatment record is the backbone of any injury claim.
- Screenshot the app. Capture the trip, the driver’s name, and your ride status before the record disappears. It establishes which coverage period applied.
- Report the crash. Report it in the Uber or Lyft app and make sure a police report is filed.
- Don’t give a recorded statement. Rideshare and insurance adjusters may call quickly. Politely decline to be recorded until you’ve spoken with an attorney.
- Call The Frick Law Firm. We preserve the evidence, identify every available policy, and deal with the adjusters so you can focus on recovering.
Why injured riders choose The Frick Law Firm
Josh Frick represents injured people across Orlando and Central Florida — and only injured people, never the insurance companies. Rideshare cases reward an attorney who knows how to pull the app data, line up the overlapping policies, and push back on lowball offers.
Uber & Lyft accident FAQ
Almost always, yes. When a trip is active, the rideshare company’s $1 million liability policy is generally in effect, and as a passenger you are rarely at fault. We identify which driver was responsible and pursue the right policy on your behalf.
Not before an attorney reviews it. Early offers are typically made before the full extent of your injuries is known and are almost always lower than what the claim is worth. Once you sign a release, you usually cannot reopen the claim.
Nothing up front. The Frick Law Firm handles injury cases on a contingency basis — there’s no fee unless we recover for you, and the initial case review is free.
It still matters which app period applied. If the driver was logged in and waiting, contingent coverage may apply; if the app was off, their personal policy is the target. We confirm the driver’s status from the trip data.
Florida has strict deadlines for injury claims, and they have tightened in recent years. Because evidence like app records and vehicle data disappears quickly, it’s best to speak with an attorney as soon as possible after the crash.
Injured in an Uber or Lyft crash? Let’s talk.
Free, no-obligation case review with an Orlando rideshare accident lawyer.
The information on this page is general and educational and is not legal advice. Reading it does not create an attorney-client relationship. Every case is different; outcomes depend on the specific facts.