A lawyer who knows TNC insurance layering
Uber and Lyft coverage shifts based on whether the app was off, waiting for a ride request, en route, or actively transporting. We know which layer applies and how to force the carrier to honor it.
Uber & Lyft accident lawyers
untangling rideshare insurance.
Rideshare crashes involve overlapping insurance policies, app status data, and Florida-specific TNC rules. We know exactly which carrier is on the hook — and how to make them pay.
Millions+
Recovered for Clients
5,000+
Individuals Helped
4.9
Google Rating
Layered policies. Real recoveries.
Built for rideshare cases.
What sets a rideshare claim apart: understanding Florida’s $1 million active-trip liability requirement, driver-app status, and TNC law.
01
20+
Years of experience
02
$Millions+
Recovered
03
No Fee Unless We Recover
Promise
What to do after an
Uber or Lyft accident in South Florida.
Rideshare claims live or die on details from the app and the scene. The driver’s app status at impact, the trip ID, and the insurance layer that applies all flow from documentation collected in the first hour.
- 01
Get medical attention immediately
Same-day medical care is the foundation of every rideshare claim. Adrenaline hides head, neck, and spinal injuries that surface hours later — and gaps in treatment are the first thing rideshare insurers attack.
- 02
Screenshot the entire ride in the app
Trip ID, driver name, vehicle, pickup and drop-off, and the time stamps. The app status at the moment of the crash decides which insurance applies — do not skip this step.
- 03
Always get a police report
Both Uber and Lyft expect a police-documented crash. The report locks in driver statements, fault assessment, and the at-fault vehicle’s insurance information. Never decline one.
- 04
Photograph vehicles, plates, and the scene
Multiple cars often share fault in rideshare crashes. Photograph every vehicle, plate, the rideshare emblem on the windshield, the scene, and any visible injuries before the rideshare driver leaves.
- 05
Talk to a lawyer before signing anything
During a prearranged trip, such as with Uber or Lyft, Florida law requires at least $1 million in primary liability coverage, while different minimums apply when the driver is logged on but not engaged in a ride. The carriers move fast with low early offers. A free consultation costs nothing and protects every layer of coverage.
— The app data is decisive
Lock it down today.
Why hire a rideshare accident
attorney in South Florida.
A rideshare claim is not a regular auto claim. App status, multiple carriers, and contractor-versus-employee arguments mean the rules change at every step. Hiring counsel built for those mechanics is how victims actually get paid.
Identifying every responsible party
A rideshare crash can involve the rideshare driver, a third-party driver, the rideshare company itself, and sometimes the driver’s personal carrier. Missing a defendant means leaving recovery on the table.
Florida TNC law on our side
Fla. Stat. § 627.748 requires $1M in liability coverage when a rideshare driver is on a trip. We use that statute — and the carriers’ own policies — to maximize what you recover.
Trial-ready leverage
Uber, Lyft, and their carriers settle fastest with firms that file suit and try TNC cases. Decades of South Florida trial experience can strengthen our negotiating position, even when a case resolves without trial.
What damages are available
in a rideshare accident claim?
Rideshare claims unlock multiple insurance layers most victims don’t know exist. A correctly built case identifies every available source of coverage, which may include TNC liability coverage, UM/UIM coverage, and applicable personal policies depending on the circumstances.
Economic damages
Hospital bills, surgeries, ongoing treatment, rehabilitation, and lost wages. Available coverage can come from multiple policies, but whether and how those policies apply depends on fault, app status, policy terms, and Florida law.
Non-economic damages
Pain and suffering, emotional distress, loss of consortium, and the effect of injury on daily life. These damages may be recoverable through the applicable TNC or other liability coverage once liability and coverage are established.
UM/UIM coverage
If the at-fault party is uninsured or underinsured, applicable UM/UIM coverage may provide an additional source of recovery during a prearranged ride. Many riders don’t know this exists — we make sure it’s claimed.
How we help you
win your rideshare case.
Rideshare claims demand careful sequencing — app data first, then liability, then coverage mapping. Our four-stage process is built around exactly that.
01
App Data & Scene Preservation
The first 72 hours
We subpoena the trip data from Uber or Lyft, confirm app status at impact, secure dashcam and traffic-cam footage, and lock in witness statements. The trip ID and driver-status timestamps decide which insurance layer applies.
02
Mapping The Coverage Stack
Where the money comes from
Rideshare crashes typically involve the at-fault driver’s policy, the rideshare $1M liability or contingent layer, sometimes the rideshare driver’s personal carrier, and UM/UIM coverage. We map every layer before negotiating.
03
Accurate Damage Assessment
Full picture of the harm
We compile every medical bill, lost wage statement, and expert opinion on future care so the demand reflects the full impact — not the lowball numbers the rideshare carriers’ adjusters quote first.
04
Trial-Ready Litigation
When the offer doesn’t match the harm
Uber, Lyft, and their carriers track which firms file suit and try cases. Decades of South Florida trial experience can strengthen our negotiating position, even when a case resolves without trial.
Get every layer of coverage on the table.
Start your free case reviewMost rideshare crashes
come down to driver error.
Whether it’s the rideshare driver or a third party at fault, establishing cause is what unlocks liability — and liability is what unlocks the right insurance layer under Florida’s TNC statute.
01 — Cause
Distracted Driving
Rideshare drivers juggle the app, GPS, and incoming requests. Phone records and app interaction logs often build the case.
02 — Cause
Driver Fatigue
Long or irregular driving hours can contribute to fatigue and crash risk. Fatigue-related crashes can raise questions about driver conduct and, depending on the facts, company policies or practices.
03 — Cause
Speeding & Aggressive Driving
Speeding and unsafe driving can be important liability issues in rideshare crashes. GPS data can corroborate.
04 — Cause
Third-Party Negligence
When another driver causes the crash, that driver’s liability coverage and any applicable UM/UIM coverage may become important sources of recovery for passengers.
Florida TNC law (Fla. Stat. § 627.748) sets the floor for rideshare coverage — we make sure it’s honored.
Every kind of
rideshare accident case.
We handle the full range of Uber, Lyft, and delivery-app cases in South Florida — passenger, driver, third party, single vehicle, or multi-policy.
Who Was Injured
Rideshare crashes can injure passengers, drivers, or third parties — each scenario triggers different policies and procedure.
Passenger Injuries
You were riding in an Uber or Lyft when the crash occurred. During a prearranged ride, Florida law requires at least $1 million in primary automobile liability coverage.
Rideshare Driver Injuries
You were driving for Uber or Lyft when another vehicle hit you. UM/UIM coverage and personal policy interplay become central.
Third-Party Vehicles
You were in another car or on foot when a rideshare driver hit you. App status decides whether the rideshare policy is primary.
Complex Cases
Some rideshare crashes involve multiple policies, contractor disputes, or app-data fights. Strategy and procedure change accordingly.
Multi-Vehicle Crashes
Three or more vehicles plus a rideshare driver. Apportioning fault across drivers determines which carriers pay and how much.
Hit-and-Run Involving Rideshare
The at-fault driver fled, but the rideshare UM coverage may apply during active trips. Fast action preserves the claim.
Delivery App Crashes
Uber Eats, DoorDash, Instacart. Delivery-app crashes require a separate coverage analysis because Florida’s TNC passenger-ride statute does not necessarily govern delivery activity; platform terms and applicable auto policies matter.
— No matter how complex your case is
We’re ready to help.
What are common injuries
in rideshare accidents?
Rideshare passengers often have no warning before impact and brace poorly — producing classic acceleration-deceleration injuries. Early documentation matters for both health and case value.
01 — Injury
Whiplash & Neck Injuries
Sudden deceleration injuries that often surface 24-72 hours later. The most common rideshare injury — and the most often undervalued.
02 — Injury
Traumatic Brain Injury
Concussions and TBIs from impact with the seat, door, or window. Symptoms may delay; same-day documentation is critical.
03 — Injury
Spinal & Disc Injuries
Herniated discs and nerve damage. Long recovery, frequent surgery, and lasting effect on earning capacity.
04 — Injury
Fractures
Ribs, wrists, ankles, and facial bones — common in side and rear-end rideshare crashes.
05 — Injury
Soft Tissue Damage
Muscle, ligament, and tendon strains that progress for weeks. Insurers love to undervalue these — documentation is everything.
06 — Injury
Internal Injuries
Crush injuries cause internal bleeding that may not present symptoms for hours. ER evaluation the same day is essential.
What compensation
can you recover?
During a prearranged ride, Florida law requires at least $1 million in primary liability coverage and UM/UIM coverage as required by Fla. Stat. § 627.727. Done right, that means more available recovery than in most ordinary auto crashes — if the claim is built correctly.
The bills you see today.
Immediate, calculable losses in the weeks after the crash.
- Emergency room and hospital bills
- Surgery, physical therapy, and follow-up
- Lost wages during recovery
- Damaged personal property and devices
The cost that lasts.
Future losses and life-changing effects belong in the claim too.
- Future medical care and ongoing treatment
- Reduced earning capacity and career impact
- Pain and suffering, emotional distress
- Long-term effect on quality of life
Find out what your rideshare case could be worth.
Speak with a lawyer about recovery— Florida Statute § 627.748
At least $1 million in primary TNC liability coverage is required during a prearranged ride.
Five reasons
to hire OneCallLegal.
Rideshare claims demand a firm that knows TNC law, can unlock every coverage layer, and stands up to Uber and Lyft’s defense counsel. That’s what we’ve built in South Florida.
- 01
TNC insurance expertise
Florida’s Transportation Network Company statute and the Uber/Lyft policies have specific triggers. We know exactly which one applies to your case and how to compel the right carrier to step up.
- 02
Premier medical care up-front
We connect rideshare clients with specialists on letters of protection so there’s no out-of-pocket cost while the case is pending. Better treatment, better records, better outcome.
- 03
Every defendant identified
Rideshare driver, third-party driver, rideshare company, and sometimes the driver’s personal carrier may each present separate liability and coverage issues. We map all of it so nothing is left on the table.
- 04
Negotiation leverage built over decades
Uber, Lyft, and their carriers respond to firms that file suit and try cases. Decades of South Florida trial experience can strengthen our negotiating position, even when a case resolves without trial.
- 05
No fee unless we recover compensation
We work on a contingency fee. You pay nothing up-front, and our fee is a percentage of what we recover — if we don’t recover compensation, you owe no attorney’s fees.
Find out what your rideshare case is really worth.
Request a free consultationInsurance Impact
How insurance can
impact your rideshare claim.
Rideshare coverage is layered. Florida requires at least $1 million in primary liability coverage during a prearranged ride, lower minimum liability limits when a driver is logged on but not engaged in a ride, and no TNC-specific coverage requirement when the app is off. The carriers know exactly how to argue which layer applies.
Strategic representation makes sure the right layer is unlocked and that no carrier waves the case off. Florida TNC law gives us the tools — we just have to use them.
$1M
TNC limit on trips
3
App status tiers
All
Communication
How long do you have
to file a claim?
In Florida, many rideshare accident injury claims based on negligence are subject to a two-year statute of limitations under Fla. Stat. § 95.11, but the applicable deadline can vary depending on the claims and circumstances.
The practical deadline is much shorter. Trip data, app status logs, and dashcam footage all have to be preserved before they roll over. Getting counsel involved in the first week is what locks the case down.
2yr
Statute of limitations
App data
Preserve fast
Sooner
The Better
David Stuart Seltzer
Managing Partner
Millions+ recovered for rideshare clients.
— A track record across South Florida courts
Why choose OneCallLegal
for your rideshare lawyer.
— Built for TNC claims. Ready for court.
Uber, Lyft, and their carriers settle hardest with firms that know TNC law, can subpoena app data, and file suit when offers fall short. Four reasons clients trust us with their rideshare claims.
- 01
TNC & Insurance Expertise
Deep familiarity with Florida’s rideshare statute and Uber/Lyft policies.
- 02
Resources To Subpoena App Data
Preservation demands and trip-data subpoenas on day one.
- 03
No Fee Unless We Recover
You don’t pay attorney’s fees unless we recover compensation for you.
- 04
Trial Record, Not Just Settlement
A documented record of taking rideshare cases to verdict.
Speak with a rideshare
accident lawyer today.
Have you or a family member been hurt in an Uber or Lyft crash in South Florida?
Contact our team for immediate legal assistance. We’ll subpoena the trip records, identify which insurance layer applies, and pursue every carrier on the hook. You may be entitled to compensation for medical bills, lost wages, and pain and suffering.
The consultation is free. We come to the hospital, your home, or wherever works for you. Call now — before the carriers’ adjusters get to you first.
Free
Consultation
No
Obligation
24 / 7
Available
Frequently asked
questions.
Plain-English answers to the questions rideshare clients ask most often in their first call with us. If yours isn’t here, the consultation is free.
Our rideshare cases are handled on a contingency fee basis. You pay nothing up-front, and we only collect a fee if we recover compensation for you. The initial consultation is free.
It depends on app status at the time of the crash. If the rideshare driver was engaged in a prearranged ride, Florida law requires at least $1 million in primary automobile liability coverage under Fla. Stat. § 627.748. The at-fault driver’s policy may also apply. If the at-fault driver was uninsured or underinsured, applicable UM/UIM coverage may provide an additional source of recovery.
Potentially. Passenger claims usually turn on who caused the crash, the injuries and damages involved, and which coverage applies. During a prearranged ride, Florida law requires at least $1 million in primary liability coverage for the TNC vehicle; whether that coverage pays a particular passenger claim depends on liability and the applicable policy terms. The biggest issue is identifying who was at fault and which carriers respond — which is exactly what we handle.
Many negligence-based rideshare accident claims are subject to a two-year statute of limitations under Fla. Stat. § 95.11, but the applicable deadline can vary depending on the claims and circumstances. The practical deadline is much shorter because trip data must be preserved quickly.
Florida uses a modified comparative-fault rule. You can still recover if you were less than 51% at fault, with your award reduced by your percentage. Anything you say to the carrier can be used against you — route all communication through counsel.
Bring whatever you have. We’ll subpoena the rest.
- Trip screenshots and trip ID
- Police report
- Medical records & bills
- Photos of vehicles & scene
— Still have questions?
Speak directly with a rideshare attorney. Your consultation is free.
We also handle
these cases.
Many rideshare clients have claims that overlap other practice areas. We handle them all in-house, so your case never gets handed off.
Car Accidents
Crashes involving passenger vehicles across South Florida.
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Truck Accidents
Commercial vehicle claims with federal regulations in play.
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Motorcycle Accidents
Defending riders against bias and aggressive insurers.
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Slip & Fall
Premises liability against negligent property owners.
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