Serving all of Florida
Florida Rideshare Accident Lawyer
Miami-Dade, Broward & statewide
Uber and Lyft crashes hide a $1M policy — and the insurer’s job is to keep you from it. I spent 20 years on their side. I know exactly where they hide it.
— Emanuel Galimidi, former insurance-defense attorney
Main office in downtown Miami · Consultations across Florida by phone or video
What insurance covers an Uber or Lyft accident in Florida?
Coverage in a rideshare crash depends on what the driver's app was doing at the moment of impact. App off: only the driver's personal auto policy applies. App on but waiting for a ride request: Uber and Lyft carry limited contingent liability (about $50,000 per person / $100,000 per accident). En route to a passenger or during the trip: a $1 million third-party liability policy applies, along with uninsured/underinsured motorist coverage. You generally have two years to file in Florida (Fla. Stat. § 95.11(5)(a)), and Florida's no-fault PIP (§ 627.736) still applies in 2026 — your own PIP pays first, up to $10,000, so long as you see a doctor within 14 days. Pinning down the exact app phase is where these claims are won or lost, and it is one of the first things the rideshare company's insurer will try to dispute.
Florida rideshare crash — the facts that matter
- Deadline to file
- 2 years from the crash (shorter vs. a government vehicle)
- Get treated within 14 days
- Required to keep your PIP medical benefits
- Which policy pays
- Up to $1M from Uber/Lyft when the ride is active
- What it costs
- Free consultation · no fees or costs unless you recover
What they do
What Uber & Lyft's insurer does after your crash
The same moves show up on almost every claim — each one built to pay you less. Spotting them early is the difference between their first offer and the real number.
Dispute the app status
They argue the app was off — or in a lower-coverage mode — to push you off the $1M policy and onto the driver’s small personal one.
Point you at the wrong policy
The rideshare insurer and the driver’s personal insurer each say the other one pays — hoping you give up in the gap between them.
The quick, low offer
A fast check before the $1M coverage is confirmed — designed to close your file for a fraction of what the right policy would pay.
Coverage map
How much insurance is actually on the table?
It depends entirely on what the driver’s app was doing the second you were hit — which is exactly why the insurer fights over the phase.
Every active tier also includes PIP and uninsured/underinsured (UM/UIM) coverage under Fla. Stat. §627.748. Because Florida lets personal auto policies exclude rideshare driving, the TNC policy is often the only coverage in force during a trip. Figures are statutory minimums; the actual coverage in your case should be confirmed.
After a crash
What to do in the first days
Report in-app + 911
Report the crash inside the Uber/Lyft app and call 911 — it locks the trip into their records.
Screenshot the trip
Save the ride details, driver, and app status before they vanish — it proves which policy applies.
See a doctor in 14 days
Florida PIP requires care within 14 days — and it ties your injuries to the crash.
Call before you accept
Don’t let them steer you to the driver’s small policy before the $1M is ruled in or out.
Florida law
The rules that decide your claim
2-year deadline
Florida generally gives you 2 years from the crash to file an injury lawsuit. Wait too long and the claim is gone.
PIP & the 14-day rule
Your own PIP covers initial medical costs, but only if you are treated within 14 days of the crash.
Comparative fault
You can still recover if you are 50% or less at fault; your share reduces the award. How fault is split is often worth fighting.
The three coverage periods
App off: the driver’s personal policy. App on, waiting: limited contingent coverage. En route or passenger aboard: up to $1M from Uber/Lyft. The period decides the money.
Related pages: Uninsured motorist coverage · Car accidents
A recent result
Their offer wasn't the real number.
Rideshare · 2024 · their first offer: $50K
One of several recent recoveries handled by the firm. Each case is different and past results do not guarantee a similar outcome. See more case results →Client reviews
What clients say
“Mr. Galimidi is an excellent attorney. He was thoughtful and determined throughout, and explained everything so I fully understood what was going on. He went above and beyond for me and my case.”
— Tawnya · Google“Emanuel is very kind and patient. He kept me in the loop, took the time to explain everything, and really advocated for me — he put in the work and looked out for the best outcome.”
— Haley · Google“Emanuel helped me through my personal injury process and did everything for me. He was very communicative by email and phone, and always explained how the case was being handled.”
— Carol · AvvoIndividual results; outcomes vary by case. Reviews are from the firm’s Google and Avvo profiles.
Questions people ask
Miami Uber & Lyft accident FAQ
How long do I have to file an Uber or Lyft accident claim in Florida?
For most Florida rideshare injury claims you have 2 years from the date of the crash. Missing the deadline usually ends your right to recover, so it is worth getting the trip and coverage details documented early.
Does Uber or Lyft insurance cover my crash?
It depends on what the app was doing at the moment of the crash. App off: the driver’s personal policy. App on and waiting: limited contingent coverage. On the way to a passenger or with one aboard: Uber and Lyft carry up to $1M in liability coverage.
How much does a rideshare accident lawyer cost?
The firm works on a contingency fee. The consultation is free and you pay no attorney fees or costs unless the firm recovers money for you.
Do I have to give the insurer a recorded statement?
No — you're not required to, and those routine-sounding questions are designed to get you on record minimizing your injuries or accepting blame. Get advice before you agree to one.
What if I was partly at fault?
Florida uses modified comparative negligence — you can still recover as long as you're not more than 50% at fault, though your share reduces the recovery. Fault is often disputed and worth challenging.
The driver says the app was off — what now?
App status is provable through Uber and Lyft trip records, and it decides which policy pays. If the app truly was off, your own UM/UIM and PIP may apply. Either way, don’t accept the personal-policy framing before the trip data and your own policy are reviewed.
Tell me what happened. The consultation is free.
You'll talk to a senior attorney who spent 20 years on the other side — not a case manager. No fees or costs unless you recover.
Call 786-442-2873