Speak with an Orlando Uber and Lyft accident lawyer at Michael T. Gibson, P.A., Auto Justice Attorney, about your injuries and which insurance has to pay. You may have been riding in an Uber or Lyft, hit by a rideshare driver, or driving for the app yourself. We find out which policies apply and in what order, then deal with each insurer for you once you hire us.
Tell us who was driving and where you were sitting.
No attorney fee unless we recover compensation. We explain case expenses before you hire us.
When you call Michael T. Gibson, P.A., Auto Justice Attorney, our Orlando rideshare accident lawyers start with two questions: who was driving, and was the rideshare app on? Most people who call us were passengers in an Uber or Lyft. We also represent people hit by a rideshare driver and drivers who were hurt while working for the app.
A rideshare crash can involve the driver’s personal insurance, the rideshare company’s policy, the other driver’s insurance, and your own. Which one pays first depends on fault and the app’s status at the moment of the crash. We sort that out and handle the adjusters, so you’re not left calling three insurance companies that each refer you elsewhere.
You also need help with the bills and calls that keep coming. Our AutoJustice Advantage includes a Client Communication Guarantee and virtual intake. Virtual intake helps if you were visiting Orlando and have already gone home. Ask us how those services would work for you.
Your consultation is free. We’ll explain the attorney fee and case expenses before you decide to hire us. There is no upfront attorney fee and no attorney fee unless we recover compensation.
Your claim depends on where you were: riding in the Uber or Lyft, driving another car, or behind the wheel for the app. Each injured passenger also has a separate claim. In the Uber and Lyft cases we handle, it is more common than not to see several passengers, such as a family on vacation or a group of friends out for the night.
Central Florida runs on rideshare. Visitors take Uber and Lyft between the parks, International Drive, and their hotels, and many people who live here would rather not drive in those areas at all. I see a lot of drivers, many of them retirees, who stay within about 15 miles of the Disney property.
Choose the situation that fits you.
When a rideshare driver is logged in to the app and heading to pick up a passenger or carrying one, the rideshare company’s coverage applies. I tell clients to think of it this way: the driver’s personal insurance turns off, and Uber’s insurance turns on.
Florida law sets different minimum coverage for each stage of the app. Early on, our rideshare accident attorneys establish the app’s status at the moment of the crash, because it controls which policy we pursue and how much coverage may be available.
The rideshare company’s coverage does not apply. The claim goes to the driver’s own auto insurance.
Florida requires at least $50,000 per person and $100,000 per crash for bodily injury, plus $25,000 for property damage.
From the moment the driver accepts your ride until the trip ends, Florida requires at least $1 million in primary liability coverage.
The app’s record of when the driver logged in, accepted the ride, and ended the trip can settle which stage applied. We request those records and compare them with the crash report and your trip receipt.
The rideshare coverage answers for the rideshare driver’s fault. If another driver caused the crash, your primary claim is against that driver. Most of the time, we look first to the responsible party with the larger policy.
Save your trip receipt, screenshots of the ride in the app, photos, and the names of other passengers. If the driver or the company contacts you, tell us before you give a recorded statement.
The rideshare policy, the other driver’s policy, and your own uninsured motorist coverage may all be involved. Which one pays, and in what order, depends on who was at fault and by how much.
Your lawyer has to understand how these policies interact in each scenario. That is where I start every rideshare case.
If the driver who caused the crash has little or no insurance, the rideshare policy may not fill the gap. We check your own policy and any others in your household before an offer is on the table.
When several people were in the car, one firm can usually represent everyone. We check for a conflict first, such as one passenger whose injury claim could use most of the available insurance.
I think there is strength in numbers, and staying unified usually helps the group.
We explain how an offer compares with your losses, what insurance is available, and what the release would mean. You decide whether to accept.
Ask us about our Client Communication Guarantee and its terms before you hire us.
If another driver caused the crash and has little or no insurance, your own uninsured motorist coverage can pay, even though you were riding in an Uber or Lyft. Your primary claim is still against the driver who caused the crash, but that driver’s coverage may not be enough.
In the rideshare cases I have handled, the Uber and Lyft policies have not included uninsured motorist coverage that a passenger could turn to. That is why your own policy matters.
“It’s a good reason why you should always have uninsured motorist protection under your own personal automobile insurance policy.”
It can pay for injuries caused by a driver who has no insurance or too little coverage. Florida lets policyholders reject this coverage in writing, so not every policy includes it. §627.727
We look at your auto policy and, depending on its terms, policies held by relatives who live with you. Bring your declarations page if you have it, or we can help you request it.
If the rideshare driver shares some of the fault, the rideshare coverage may also be part of your claim. We look at each driver’s share of fault before deciding where to present the claim.
The police, the adjusters, and the lawyers all form opinions about fault. If a case goes to trial, a jury of six decides. As a passenger, you are almost never at fault, but fault still decides which drivers and policies pay.
The investigating officer forms a view of who caused the crash. Each insurance adjuster then makes their own liability decision. Those opinions matter, and we challenge them when the evidence points elsewhere.
Left turns and disputed signals are common. At most intersections, there are only four possible signal combinations, and each driver’s account usually rules out two. We have used county traffic engineering records to help prove which light was red.
For most negligence claims, a person found more than 50% responsible for their own injuries cannot recover. At 50% or less, damages are reduced by that share. This rule replaced pure comparative fault in 2023. §768.81
In about 70% of the cases I see, fault is clear from day one. A rear-end crash is a common example: Florida law presumes the trailing driver was negligent. The other cases are where investigation matters most. If you were driving and an insurer is blaming you, tell us. The police report is not the final word.
Rideshare claims turn on finding every available policy and resolving disputes over fault. These auto cases show that work. The details explain how we approached each claim.
All the possible insurers denied coverage at the start of the case. We found $600,000 in coverage and recovered every available policy for a family of three injured in an interstate collision.
Read the caseLiability was contested. We obtained every dollar of bodily injury liability and underinsured motorist coverage available to our client.
Read the caseOur 53-year-old client fractured his lumbar spine. We obtained all of the bodily injury liability and underinsured motorist coverage available to him.
Read the casePolice cited our client and initially blamed him for the crash. We contested the citation and the fault evidence, then obtained all of the available bodily injury coverage.
Read the casePast results do not guarantee future outcomes. Every case is judged on its own merits.
Call from the hospital, your hotel, or home after your trip. Tell us what happened and who was in the car. You don’t have to wait until treatment is finished.
Free consultation · Available 24/7407-422-4529Use the consultation form and our team will follow up, or call us now.
Start My Free ConsultationI have represented quite a few Uber drivers hurt through no fault of their own. Driving may be your main source of income, and now the car is damaged or you are too injured to drive it. Florida generally treats rideshare drivers as independent contractors, so there is usually no workers’ compensation or company health insurance to fall back on. §627.748(9)
Your main claim is against the driver who caused the crash. If that driver has little or no bodily injury coverage, whether the app was on can decide what else is available to you.
The rideshare company’s insurance is primary while the app is on. In my experience, that coverage has not included uninsured motorist protection for the driver, so a crash with an uninsured driver can leave you with little to claim against.
Your personal auto policy is primary. If you carry uninsured motorist coverage, it may apply when you are hit by a driver with little or no insurance.
If you drive for a rideshare company, say so when your own insurance application asks. Insurers have voided policies when drivers left that question blank. That problem is less common now, but it is worth checking.
If a car rented on Turo hits you, the owner’s insurance may not be the policy that pays. As with rideshare, what matters is whether the car was in a rental period when the crash happened. We are seeing more of these cases.
Here is an example I use: someone is hit by a Mercedes and assumes the owner’s large policy will cover the claim. Then they learn a stranger had rented the car through Turo and bought far less coverage. A Turo accident lawyer has to find the policy that applied during the rental.
Florida requires a car-sharing program to make sure coverage is in place during the rental period, and that coverage is primary. It must meet the state’s minimum limits, which can be far lower than the limits on the owner’s own policy. §627.7483
Florida’s car-sharing law exempts the program and the car’s owner from liability based only on ownership. The renter who caused the crash, and that renter’s coverage, become the focus.
When the coverage on the rented car is not enough for your injuries, your own uninsured motorist coverage may help close the gap. We review it with you.
In December 2000, my mother was hit head-on on a six-lane highway in Clearwater. She was a single mom raising two kids on a teacher’s salary. At the settlement conference, the insurance company offered her half of what her case was worth. Her lawyer refused and kept fighting until she received what the case was worth and the surgery she needed.
I left college to help with the bills, then spent four years at a personal injury firm doing everything I could without a law license. When you call us, I’ll explain what we know about your claim and what still needs investigation.
“I never make a promise that I can’t keep.”
When you call, we’ll explain which members of our team would work on your case. I have represented rideshare passengers and drivers, and Todd leads our litigation work.
These reviews describe clients’ experiences with our firm across different types of cases. Read more client reviews.
Absolutely great experience working with Todd Curtain Esq. and Kim on my case. From the start, outstanding communication and responsiveness with all aspects of my case. They treat you with the utmost respect and truly want to help you.
Excellent service, they explain everything from A to Z and very transparent about how everything is going to work. For accidents Michael T Gibson will be your best representative.
I appreciate TODD and his Team so much! They made the process smooth and easy! Thank you guys for all your hard work, they made the impossible possible!
Everyone I spoke with at the office were very courteous and helpful. Always available to answer any questions. Always kept me up-to-date on the progress of my case.
I had a great experience with this firm! Amanda the one who took care of my case was exceptional! I will recommend this firm to any of my family and friends. !!
Great firm. Had an issue and needed help. Their intake staff was super helpful and pointed me in the right direction.
You can speak with our Orlando Lyft and Uber accident lawyers without paying for a consultation. If you hire us, there is no upfront attorney fee and no attorney fee unless we recover compensation.
We advance case costs. Before you decide to hire us, we explain the written fee agreement, how expenses are handled, and what would be deducted from a recovery.
You don’t need to know which policy applies before you call us. Start with what happened and the question you need answered first.
If the rideshare driver caused the crash during your trip, your main claim is usually against the rideshare company’s coverage, which Florida requires to be at least $1 million from the moment the ride is accepted until it ends. If another driver caused the crash, your claim is against that driver’s insurance, and your own uninsured motorist coverage may apply if theirs is not enough. We sort out the order of coverage for you.
Your own uninsured motorist coverage may apply, even though you were riding in someone else’s car. In my experience, the Uber and Lyft policies have not provided uninsured motorist coverage a passenger can rely on. We review your policy and, where they apply, household policies to find what coverage is available.
If you own a car insured in Florida, your own personal injury protection (PIP) coverage usually pays first for medical bills and lost income, even though you were riding in someone else’s car. PIP generally pays 80% of reasonable medical expenses and 60% of lost income, up to $10,000. To use the medical benefits, you must get initial treatment within 14 days of the crash. If you don’t own a car, the PIP on the vehicle you were riding in may apply. §627.736
Usually, yes. Each passenger has an individual claim, and working together can strengthen the group’s position. Separate lawyers may be better when one passenger is catastrophically injured and that claim could use most of the available insurance. We check for a conflict of interest before we represent more than one person.
For most negligence claims arising after March 24, 2023, Florida allows two years under §95.11. The date, type of claim, and exceptions can change the answer. Ask us to check the deadline for your circumstances, and don’t wait to call. Records like the app’s trip data may not be kept indefinitely.
In practical terms, the claims work the same way. The difference we see is in how the insurers handle them. In Florida, I see Uber claims handled mainly through Progressive and Lyft claims mainly through State Farm. Progressive has been one of our most adversarial opponents in recent years, and many of those cases, including Uber claims, have needed a lawsuit. Lyft claims have been less contentious so far.
Usually not. Florida generally treats rideshare drivers as independent contractors under §627.748(9), so there is no workers’ compensation or company health insurance to fall back on. Your claim is usually against the driver who caused the crash. Whether the app was on affects which of your own coverages may also apply.
During the rental, Florida requires the car-sharing program to make sure primary coverage is in place, at no less than the state minimums. The owner is generally not liable just for owning the car. That can mean much less coverage than the owner’s own policy would have provided. Your uninsured motorist coverage may help, and we review the rental coverage with you under §627.7483.
If the crash happened in Central Florida, our Orlando office can handle the claim wherever you live. Virtual intake means you don’t have to come back to Florida to get started. Your auto policy from home may follow its own state’s rules, so have it ready when you call. Tell us where the crash happened and where you are now.
Ask how the firm will establish the app’s status at the moment of the crash, how it handles uninsured motorist coverage, and who will handle your case. Ask how fees and expenses work and how you will reach the team. You can bring those questions to a free consultation with us at our Orlando office.
Our Orlando Uber and Lyft accident lawyers represent passengers, drivers, and people hit by rideshare vehicles across Central Florida. Whether the crash happened near the parks, on International Drive, on I-4, or on a neighborhood street, tell us where it happened and who was in the car.
We serve the counties below from this office. Call to discuss your case and how we can arrange the first conversation.
Call us about the crash, your injuries, or the insurance questions no one has answered. We’ll listen, discuss whether we can help, and explain what hiring us would involve. The consultation is free. If you prefer to write, use the consultation form.
407-422-4529