Injured in an Uber or Lyft Accident in Orlando? Here’s What You Need to Know

Rideshare services like Uber and Lyft have made getting around Orlando more convenient—but accidents involving these vehicles can be legally complicated. If you were injured in an Uber or Lyft accident in Orlando, you may be wondering:

 Who is responsible for my injuries?
 Can I sue Uber or Lyft for damages?
 What insurance covers my medical bills and lost wages?

At Hov Law, we help accident victims navigate the complex insurance claims process and fight for maximum compensation. If you or a loved one were injured in an Uber or Lyft accident, here’s what you need to know about your rights and legal options.

Who Is Liable in an Uber or Lyft Accident in Orlando?

Unlike regular car accidents, rideshare crashes involve multiple parties, including:

✔ The Uber or Lyft driver – If they were reckless, distracted, or driving under the influence
✔ Another at-fault driver – If a third-party driver caused the crash
✔ Uber or Lyft’s Insurance – If the driver was actively working at the time of the accident
✔ The Rideshare Company (Uber/Lyft) – In rare cases, if they failed to conduct background checks or enforce safety regulations

🚨 Important: Uber and Lyft classify their drivers as independent contractors, which makes it harder to sue them directly. However, rideshare insurance policies may still cover your injuries.

Does Uber or Lyft Provide Insurance Coverage for Accidents?

Uber and Lyft have multi-million dollar insurance policies, but coverage depends on what the driver was doing at the time of the crash:

🔵 Period 1: Driver is Offline (Not Using the App)

❌ Uber/Lyft’s insurance does NOT apply
✅ Only the driver’s personal auto insurance covers the accident

🟢 Period 2: Driver is Online & Waiting for a Ride Request

✅ Uber/Lyft provides limited liability coverage:

• $50,000 per person for injuries
• $100,000 per accident
• $25,000 for property damage

👉 BUT: This coverage only applies if the driver’s personal insurance denies the claim.

🔴 Period 3: Driver is Picking Up or Transporting a Passenger

✅ Uber/Lyft provide $1 million in liability coverage
✅ Uninsured/Underinsured Motorist (UM/UIM) coverage may also apply
✅ Covers passengers, pedestrians, and other drivers hit by the rideshare vehicle

🔹 Example: If you’re a passenger in an Uber and another driver crashes into you, Uber’s $1 million policy should cover your injuries.

What Compensation Can You Recover After an Uber or Lyft Accident?

If you were injured in an Uber or Lyft crash, you may be entitled to compensation for:

💰 Medical Bills – Hospital stays, surgeries, rehabilitation, and therapy
💼 Lost Wages – If you’re unable to work due to your injuries
🚗 Property Damage – Car repairs or replacement costs
😞 Pain & Suffering – Emotional distress, PTSD, and loss of quality of life
⚖️ Wrongful Death Damages – If a loved one was killed in a rideshare accident

Insurance companies will try to minimize payouts, so having an experienced Orlando Uber accident attorney on your side is crucial.

What to Do After an Uber or Lyft Accident in Orlando

If you’re injured in a rideshare accident, follow these steps to protect your rights and maximize your claim:

🚨 1. Call 911 & Get Medical Help – Always report the accident and get checked for injuries.
📸 2. Gather Evidence – Take photos of the crash scene, vehicles, injuries, and rideshare app screen.
📞 3. Report the Accident to Uber or Lyft – Use the rideshare app to file an accident report.
📝 4. Get Contact Information – Get details from all drivers, passengers, and witnesses.
❌ 5. Do NOT Accept Quick Settlement Offers – Uber/Lyft’s insurers may try to lowball your claim.
👨‍⚖️ 6. Contact an Orlando Rideshare Accident Attorney – The sooner you get legal representation, the better your chances of maximizing compensation.

Why Choose Hov Law for Your Uber or Lyft Accident Case?

At Hov Law, we know how to fight back against insurance companies and get our clients the compensation they deserve.

✅ We Handle Complex Rideshare Claims – Uber and Lyft insurance cases can be confusing, but we have experience navigating them.
✅ We Maximize Your Compensation – We investigate every case to ensure you get full compensation for your injuries.
✅ No Upfront Fees – You don’t pay unless we win your case.

📞 Call us today for a free consultation!
🖥️ Visit www.hov.law to learn more about your legal options.