What About Car Accidents with Uber or Lyft Drivers? Miami Car Accident Lawyer
Rideshare companies like Uber and Lyft have revolutionized the way people get from place to place. Whereas in the past, it was necessary to call a cab company or hail a taxi to get someplace, it is now possible to use an app and get a freelance driver who will take you where you want to go for a fraction of the price of a cab. However, with new opportunities arise new problems. Numerous issues have arisen from the increase in freelance drivers for hire on the road, including questions on how they should be insured and dealing with accidents involving Uber and Lyft drivers. There is always a concern that the driver may not have the proper insurance, and it is useful to consult a Miami personal injury lawyer when faced with this issue.
How Is Insurance Different for Ride Share Drivers?
Taxi drivers who work for traditional cab companies have company insurance that covers accidents. This is distinct from their personal insurance. In addition, since they use a company car, they are covered by their company’s insurance and there is no confusion on the issue of insurance payments if there is an accident. Uber and Lyft drivers are freelance. This means they use their own cars for picking up passengers at flexible times. Some drivers work full-time, others work part-time and their affiliation with their rideshare companies is somewhat loose.
This development has required more regulations governing insurance companies and rideshare drivers. Some states have passed laws concerning insurance requirements for rideshare drivers. Many of these insurance plans cover the drivers during the time they are using the company app, but questions arise about what happens when the app is on but the Uber or Lyft driver is not carrying passengers. There are a number of ambiguous situations and disagreements may ensue over how such accidents are covered. It is worthwhile to find a rideshare accident lawyer in Miami who is well-versed in handling these kinds of situations.
What Are the Rideshare Insurance Laws in Florida?
In Florida, rideshare drivers are required to get appropriate insurance coverage. Plans will cover the driver from the time the app is turned on to the moment they drop off the passenger. Coverage in required to be:
- $1,000,000 for death, bodily injury, and property damage
- PIP and Uninsured motorist coverage as required by law
Since all rideshare drivers are required to have coverage in Florida, those involved in accidents with Uber or Lyft drivers can usually feel confident about receiving compensation. However, if the driver was improperly insured or if questions arise concerning which insurance plan applies, a Miami personal injury attorney can give you guidance. Even if the case seems clear cut after a collision, it is important to meet with a Miami car accident lawyer in case problems arise. Select a lawyer who is knowledgeable about insurance issues governing rideshare drivers whether you were injured as a passenger or were involved in a collision with a rideshare driver who was carrying a passenger.
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