Florida’s unique no fault system and rideshare accidents
Florida requires every driver to carry Personal Injury Protection (PIP). This no fault coverage helps pay for medical expenses and lost wages regardless of who caused the crash. Under Florida Statute 627.736, you must seek treatment within 14 days of the accident to preserve your PIP benefits. For passengers in an Uber, your own PIP may apply first, then claims against Uber’s liability coverage or the at fault driver’s policy may follow if injuries are serious.
Breaking down Uber’s insurance coverage in Florida
- Driver offline. If the Uber driver is not logged into the app, only their personal auto insurance applies.
- Driver logged in, no passenger. Uber provides contingent liability coverage of $50,000 per person, $100,000 per accident, and $25,000 property damage if the driver is at fault and their personal insurer denies or limits coverage.
- Driver carrying a passenger or en route. Uber’s $1 million liability coverage applies, along with uninsured/underinsured motorist coverage in many cases.
Uber provides a breakdown of this coverage on its official insurance page. However, applying these limits in real claims can be complex. Insurance carriers often dispute responsibility, especially when multiple vehicles are involved.
When another driver is responsible
If another driver causes the crash, their insurance is typically responsible for damages. Florida follows a modified comparative negligence standard under Florida Statute 768.81. This means if you are more than 50 percent at fault, you cannot recover damages. If you are less than 50 percent at fault, your recovery may be reduced by your percentage of fault. Determining fault is highly fact driven, making early investigation and documentation essential.
How liability is decided
Several factors determine who is financially responsible after an Uber crash in Florida:
- Which driver was negligent or careless
- Whether the Uber driver was on or off duty
- Insurance policy limits available at the time of the accident
- How serious the injuries are and whether they exceed PIP coverage
Police crash reports, app data, witness testimony, and medical documentation all help establish liability. Having an attorney involved early helps preserve these pieces of evidence and ensures insurers treat your claim seriously.
Why legal help matters in Uber accident cases
Rideshare insurance issues often involve multiple carriers, overlapping policies, and disputes about which phase of the trip the driver was in. Fenimore Injury Law has experience guiding accident victims through these disputes, ensuring injured passengers, drivers, and third parties get access to the coverage they need. For a broader understanding of roadway liability, see our comprehensive guide to Florida driving laws.
Quick FAQ: Who is liable in an Uber accident in Florida?
Liability depends on the circumstances. If the Uber driver is at fault and logged into the app with a passenger, Uber’s $1 million liability insurance typically applies. If the driver is logged in but has no passenger, Uber provides limited coverage of $50,000 per person, $100,000 per accident, and $25,000 property damage. If the driver is off duty, their personal insurance applies. If another driver caused the accident, their insurance is primarily responsible. A lawyer can help determine fault and navigate Florida’s no fault laws.
Your next step
If you were injured in an Uber accident in Pensacola, Escambia County, or anywhere in Florida, you do not have to figure out liability on your own. Contact Fenimore Injury Law’s Pensacola Uber accident team today for a free consultation. We will review the facts, investigate insurance coverage, and help you pursue the compensation you deserve.
Liability in an Uber accident depends on the circumstances. If the Uber driver is at fault and logged into the app with a passenger, Uber’s $1 million liability insurance typically applies. If the driver is logged in but has no passenger, Uber provides limited coverage of $50,000 per person, $100,000 per accident, and $25,000 in property damage. If the driver is off duty, their personal insurance applies. If another driver caused the accident, their insurance is primarily responsible. Because Florida’s insurance system can be confusing, speaking with the Uber accident lawyer team in Pensacola at Fenimore Injury Law can help you understand your options.
For more information on what to do after an Uber accident in Florida, see our blog here.
Florida’s unique no fault system and rideshare accidents
Florida requires every driver to carry Personal Injury Protection (PIP). This no fault coverage helps pay for medical expenses and lost wages regardless of who caused the crash. Under Florida Statute 627.736, you must seek treatment within 14 days of the accident to preserve your PIP benefits. For passengers in an Uber, your own PIP may apply first, then claims against Uber’s liability coverage or the at fault driver’s policy may follow if injuries are serious.
Breaking down Uber’s insurance coverage in Florida
- Driver offline. If the Uber driver is not logged into the app, only their personal auto insurance applies.
- Driver logged in, no passenger. Uber provides contingent liability coverage of $50,000 per person, $100,000 per accident, and $25,000 property damage if the driver is at fault and their personal insurer denies or limits coverage.
- Driver carrying a passenger or en route. Uber’s $1 million liability coverage applies, along with uninsured/underinsured motorist coverage in many cases.
Uber provides a breakdown of this coverage on its official insurance page. However, applying these limits in real claims can be complex. Insurance carriers often dispute responsibility, especially when multiple vehicles are involved.
When another driver is responsible
If another driver causes the crash, their insurance is typically responsible for damages. Florida follows a modified comparative negligence standard under Florida Statute 768.81. This means if you are more than 50 percent at fault, you cannot recover damages. If you are less than 50 percent at fault, your recovery may be reduced by your percentage of fault. Determining fault is highly fact driven, making early investigation and documentation essential.
How liability is decided
Several factors determine who is financially responsible after an Uber crash in Florida:
- Which driver was negligent or careless
- Whether the Uber driver was on or off duty
- Insurance policy limits available at the time of the accident
- How serious the injuries are and whether they exceed PIP coverage
Police crash reports, app data, witness testimony, and medical documentation all help establish liability. Having an attorney involved early helps preserve these pieces of evidence and ensures insurers treat your claim seriously.
Why legal help matters in Uber accident cases
Rideshare insurance issues often involve multiple carriers, overlapping policies, and disputes about which phase of the trip the driver was in. Fenimore Injury Law has experience guiding accident victims through these disputes, ensuring injured passengers, drivers, and third parties get access to the coverage they need. For a broader understanding of roadway liability, see our comprehensive guide to Florida driving laws.
Quick FAQ: Who is liable in an Uber accident in Florida?
Liability depends on the circumstances. If the Uber driver is at fault and logged into the app with a passenger, Uber’s $1 million liability insurance typically applies. If the driver is logged in but has no passenger, Uber provides limited coverage of $50,000 per person, $100,000 per accident, and $25,000 property damage. If the driver is off duty, their personal insurance applies. If another driver caused the accident, their insurance is primarily responsible. A lawyer can help determine fault and navigate Florida’s no fault laws.
Your next step
If you were injured in an Uber accident in Pensacola, Escambia County, or anywhere in Florida, you do not have to figure out liability on your own. Contact Fenimore Injury Law’s Pensacola Uber accident team today for a free consultation. We will review the facts, investigate insurance coverage, and help you pursue the compensation you deserve.