Ridesharing is any means of transportation in which multiple people use the same car, truck or van to arrive at a similar destination. Rideshare services such as Uber and Lyft offer easy access, usability and a convenient cost-effective solution for its customers.

Legislators have taken steps to ensure insurance coverage is in place if your Uber driver gets in an accident. Those minimum insurance requirements vary based on certain conditions of your accident. While it may seem like a simple process to file a claim, consumers may be unaware of the fairly complex limitations in place should an accident occur.

In this video blog, Rob Roy of Kinney, Fernandez, Boire P.A. explains the intricacies of rideshare insurance and why you need an attorney.

“What to do if you are in an accident with a rideshare vehicle” Vlog Transcript:

(Rob Roy, Attorney): “So ridesharing is any means of transportation in which multiple people use the same vehicle to arrive at the same destination. Examples of ridesharing are: sharing of taxis, carpooling, but obviously the most common example these days are Uber and Lyft. We are often asked certain questions, are we safe to ride in an Uber? What happens if there is an accident? Do we know that the driver has been checked out and is qualified to operate a ride-sharing vehicle? Today’s vlog is going to talk about these issues.”

TEXT: HOW ARE UBER & LYFT DRIVERS SCREENED?

(Rob Roy, Attorney): “So background checks are required for Uber drivers, Lyft drivers. They vary from state to state. At a minimum, these background checks are supposed to confirm that the driver has no criminal history and no pending criminal charges. They have a clean driving record to show that they are qualified to operate the vehicle with passengers.”

TEXT: WHAT ARE THE INSURANCE REQUIREMENTS FOR UBER & LYFT DRIVERS?

(Rob Roy, Attorney): “As a result of the rise of these companies, states have instituted mandatory insurance coverage requirements for Uber and Lyft. The positive outcome of this legislation is that we now have minimum mandatory insurance coverage requirements for rideshare companies.

For example, in the state of Florida, if Uber or Lyft vehicle’s involved in an accident and there are no passengers in the car at the time of the accident, the minimum insurance coverage in place to compensate the injured person is 50,000 dollars per individual, 100,000 dollars per crash, and 25,000 dollars for property damage. If there is a passenger in the Uber or Lyft vehicle, the minimum coverage is one million dollars. And these companies have websites on which claim forms can be submitted. It gives the impression to the injured person that it’s going to be an easy process following a car crash. We have found that is normally not the case at KFB Law.”

TEXT: WHAT TO DO IF YOU ARE IN A RIDESHARING ACCIDENT

(Rob Roy, Attorney): “If you’ve been injured in a car or as a pedestrian involving a rideshare company, navigating the claim may be more difficult than you think. Filling out a form gives the impression that it’s going to be an easy process. But at KFB Law, we have discovered that it’s never an easy process. These companies are not going to tell you, ‘Go to the doctor. If you have any bills, send them to us. If you have to go to the doctor again next month, do the same thing.’ They’re not going to keep themselves on the hook that way.

At KFB Law, we help to manage the case. We help our clients seek the medical care that they need. We make sure everything is being documented well. This is designed to build the strongest possible case. So that once our client finishes their medical care and knows the outcome of their injury or whether they suffered any permanent damage, we could put together the strongest possible case to present to the rideshare company. If you have been injured in a car crash involving a rideshare company, seek the assistance of a qualified attorney. Get more information from us at KFBLaw.com.”

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