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Fort Lauderdale Uber Accident Attorney

Owning a car is often more trouble than it is worth, especially in a heavily urbanized area like Fort Lauderdale. So it is no surprise that many people opt-out of car ownership altogether and instead rely on easily available alternatives like Uber when they need to get somewhere.

But what happens if you are injured in a car accident while riding in an Uber? If you are injured while driving your own car, you know that your own no-fault insurance will cover your medical bills. Getting hurt in an Uber can be quite a bit more complicated. That is why it is important to speak with an experienced Fort Lauderdale Uber accident attorney. At Boone & Davis, we represent individuals such as yourself who have suffered serious injuries while riding in an Uber, and we understand how to navigate the complex web of insurance and laws in helping you to obtain fair compensation.

When Is Uber Required to Insure Its Drivers?

Uber is classified as a transportation network company (TNC) under Florida law. This classification was created in response to the fact that Uber does not operate like a traditional taxi service. As you probably know, Uber does not own any vehicles itself. Rather, it relies upon individual drivers using its app to offer rides to passengers.

This can make it very confusing to sort out the insurance situation in the event of an accident. Basically, the Uber driver must be insured at all times. But different insurance applies depending on the situation. Here is a brief rundown:

  • When a driver does not have the Uber app on and is not prepared to accept fares, their personal auto insurance is in effect.
  • When the driver has the Uber app on and is waiting to accept a fare, they must have personal rideshare coverage in effect. Uber may also provide additional coverage.
  • When the driver has accepted a fare and is on their way to pick up the passenger, Uber’s insurance coverage is in effect.
  • When the passenger is actually in the car, Uber’s commercial auto insurance coverage applies until that passenger is dropped off at their destination.

It is important to note that as a passenger, Uber must typically provide at least $1 million in coverage once you are assigned to a driver. In other circumstances–such as if an Uber driver hits someone while waiting to accept a fare–much lower minimum coverage applies, typically $50,000 per person or $100,000 per accident.

Contact Boone & Davis Today

Uber or a negligent driver can be held liable for a host of damages following an accident, including a victim’s medical bills, lost income, and pain and suffering. But given the complexity of the rules surrounding liability and insurance in these cases, it is best to work with a skilled Fort Lauderdale Uber accident attorney who can guide you through the process. Contact the offices of Boone & Davis today to schedule a free consultation with a member of our personal injury team.

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