By: Gonz Law September 1, 2024

What Compensation Can You Receive if You’re Involved in a Rideshare Accident in Florida?

Understanding Liability in Rideshare Accidents

Liability in rideshare accidents depends on several factors, including the status of the rideshare driver and the nature of the accident. Was the driver logged into the app and actively transporting a passenger? Or were they driving independently without being engaged in rideshare services? These distinctions matter because they determine which insurance policies apply.

Rideshare companies like Uber and Lyft maintain liability insurance policies that activate under specific circumstances. For example, if a driver has a passenger or is en route to pick one up, the company’s higher-limit insurance coverage typically applies. However, if the driver is logged into the app but not actively transporting or picking up a passenger, the coverage might be lower. Determining liability requires a thorough investigation, making it critical to consult with an experienced attorney who can untangle the facts.

Types of Compensation Available After a Rideshare Accident

The compensation you may recover after a rideshare accident in Florida can vary widely based on the severity of the injuries and the circumstances of the crash. The following are the primary categories of damages you may be entitled to:

Medical Expenses

Medical bills often represent the most immediate financial concern following an accident. Compensation can cover hospital stays, surgeries, physical therapy, prescription medications, and any ongoing medical care required to recover fully.

Lost Wages and Earning Capacity

Injuries from a rideshare accident can disrupt your ability to work, either temporarily or permanently. Compensation may include lost wages for the time you were unable to perform your job. Suppose the injuries impair your ability to work in the long term. In that case, you may also recover damages for the loss of future earning capacity, which can be particularly significant for individuals whose livelihoods rely on physical labor or specialized skills.

Pain and Suffering

Unlike economic damages, which are tied to tangible costs, pain and suffering represent the emotional and psychological toll of an accident. This type of compensation can include stress, anxiety, depression, and other mental health issues caused by the crash or its aftermath. Documenting your emotional and psychological challenges can help substantiate these claims.

Property Damage

If your personal property, such as your vehicle, phone, or other belongings, was damaged in the accident, you could be entitled to compensation for repair or replacement costs. Property damage claims are typically easier to quantify, but they can still require negotiation with insurers.

Wrongful Death Damages

In the tragic event that a rideshare accident results in a loved one’s death, surviving family members may file a wrongful death claim. Compensation in these cases can cover funeral expenses, lost income, and the loss of companionship and emotional support.

How Florida’s No-Fault Insurance Laws Impact Rideshare Claims

Florida operates under a no-fault insurance system, which means that your insurance typically covers your medical expenses and lost wages, regardless of who caused the accident. However, PIP benefits are limited and may not cover all of your expenses, especially if your injuries are severe.

When injuries exceed the limits of your PIP coverage, you can pursue a claim against the at-fault driver or the rideshare company. In such cases, the rideshare company’s insurance policy may provide additional coverage, but only under specific circumstances. Understanding when and how these policies apply can make a significant difference in the outcome of your claim.

Steps to Take After a Rideshare Accident

Protecting your rights and maximizing your compensation starts immediately after the accident. Begin by seeking medical attention, even if you believe your injuries are minor. Some injuries, such as whiplash or internal trauma, may not manifest symptoms until later. Prompt medical documentation also strengthens your case.

Next, report the accident to the rideshare company and your insurance provider. Be honest but cautious when providing details, as insurers may use your statements to minimize your claim. Collect evidence at the scene, including photos, witness contact information, and the rideshare driver’s details. Hiring a skilled personal injury attorney can ensure that you follow the proper steps and avoid costly mistakes.

How an Attorney Can Help You Navigate the Legal Process

Rideshare accident claims often involve multiple parties, including drivers, passengers, rideshare companies, and insurance providers. Each of these parties may try to shift responsibility or minimize the compensation owed to you. An experienced attorney can negotiate with insurers, gather evidence, and build a strong case on your behalf.

Additionally, Florida law imposes a statute of limitations on personal injury claims, which means you must file your case within a certain timeframe. Missing this deadline can prevent you from recovering any compensation. An attorney can ensure that all legal requirements are met promptly and accurately.

Seek Legal Guidance

If you’re involved in a rideshare accident in Florida, understanding your rights and the compensation available to you is essential. Medical expenses, lost wages, pain and suffering, and property damage are just some of the types of damages you may recover. Navigating these claims can be complex, but with the right approach and professional guidance, you can secure the compensation you deserve.

Take action early by documenting your injuries, gathering evidence, and consulting with an experienced attorney. Taking these steps will position you for the best possible outcome and help you move forward with confidence after the accident.

Call GONZ.LAW Group today at 561-639-7858 to speak with our team and schedule a free consultation.