If you’ve been injured in a rideshare accident while visiting Orlando from out of state, navigating the insurance landscape may seem confusing. Knowing which insurance applies and where to file can make all the difference in securing the compensation you deserve. This guide will explain the different types of coverage involved, how Florida’s insurance system works, and the steps you should take to ensure your claim is handled properly.
Attorney - Partner Attorney - Of Counsel
Franklin Domenech, Esq.
William Alexander Corzo, Esq.
Understanding Rideshare Insurance Coverage 
Rideshare companies like Uber and Lyft have specific insurance policies in place to protect passengers, but these policies differ depending on the driver’s status during the trip. When you are involved in an accident with a rideshare vehicle, it is important to understand which coverage applies to your situation.
- When the Rideshare App is On, But the Driver Hasn’t Accepted a Ride:
If you are hit by a rideshare driver while they are in this “waiting” status (meaning the driver has the app on, but hasn’t yet accepted a ride), the coverage may be minimal or nonexistent. The driver’s personal insurance may be your only recourse, unless the rideshare company’s coverage kicks in. - When the Rideshare Driver Has Accepted a Ride:
If you are involved in an accident while the driver is en route to pick you up or during your ride, the rideshare company’s liability insurance should cover medical expenses and property damage. Uber and Lyft typically carry a commercial insurance policy that covers accidents that happen while their driver is transporting passengers. This insurance will usually be used to cover expenses. - When the Driver Is Not Using the App:
In this scenario, the rideshare company’s insurance won’t cover the accident, and the driver’s personal insurance will be responsible for any damages. This makes it crucial to ensure the driver’s insurance policy is adequate to cover your expenses if they are not actively using the rideshare app.
Highly recommend victory law firm they've been nothing but great and and very presentable if you want to win a case I definitely I give it 5 stars” - Yari Yes Mr. Domenech, Mr. Leon, Miss. Katerina helped me and my family tremendously. They are knowledgeable, professional, laways available and most importantly care about their clients, I would recommend them 100% and more. Endlessly grateful." - Llubikza Kairuz Attorney William Corzo did an excellent job in assisting me with my car accident case. He was thorough and professional and the outcome was great- would definitely recommend him." - Patrick Dollar
Florida’s No-Fault Insurance System and Rideshare Claims
Florida operates under a no-fault insurance system, which means that drivers are required to carry Personal Injury Protection (PIP) insurance. This policy covers medical expenses and lost wages regardless of who caused the accident. However, PIP coverage typically does not extend to passengers in a rideshare vehicle, which complicates claims for out-of-state visitors.
As an out-of-state visitor in Orlando, PIP insurance will not apply to you as a passenger in a rideshare vehicle. Instead, your ability to recover damages will depend on the rideshare company’s liability coverage or, if applicable, the driver’s personal insurance policy.
In Florida, visitors injured in accidents can file a claim with the rideshare company’s insurance. However, complications may arise if the company denies coverage, or if the accident falls outside the scope of their insurance policy. In such cases, you may have to explore your options for additional compensation, either through personal injury claims or by contacting an attorney.
Filing a Claim as an Out-of-State Visitor in Orlando
When you are injured by a rideshare in Orlando, it’s important to follow specific steps to ensure that your claim is filed properly. Here are the essential steps to take:
- Report the Accident to the Authorities
Whether you are a local or an out-of-state visitor, it’s essential to file a police report after the accident. This official documentation will serve as evidence in your case and may help clarify the circumstances of the crash. In Florida, the police report will also help establish fault and can be vital if you are pursuing a claim through the rideshare company. - Notify the Rideshare Company
Once the police report has been filed, the next step is to contact the rideshare company directly. Both Uber and Lyft have specific procedures in place for reporting accidents. You will need to provide the details of the accident, including your medical information, the accident report, and any other pertinent details to the rideshare company. The company may then initiate a claims process and begin the investigation. - Contact Your Own Insurance
If you have personal car insurance and were injured as a passenger in the rideshare vehicle, it’s a good idea to contact your own insurance provider to discuss the specifics of your coverage. In some cases, your own personal injury protection or health insurance might assist in covering medical bills. However, your options may be limited as an out-of-state visitor. - Consult an Attorney for Legal Advice
Navigating rideshare insurance claims can be difficult, especially for non-residents. Florida’s legal system, combined with the complex nature of rideshare insurance, may make it difficult to pursue a fair settlement on your own. An experienced Orlando personal injury attorney will understand the nuances of Florida’s insurance laws and can help guide you through the process. They will also be able to handle disputes with insurance companies, ensuring that your rights are protected throughout the process.
Choosing a Car Accident Attorney Personal Injury Case ValueRelated Videos
How to Handle Insurance Disputes in Florida
While most rideshare companies have extensive insurance policies, it’s possible that the company may deny your claim or offer insufficient compensation. If this happens, you have options:
- Appeal the Denial: If your claim is denied, you may have the opportunity to appeal the decision. A skilled personal injury lawyer can assist with this process by helping you understand the reasons for the denial and gathering additional evidence to support your case.
- Seek Compensation Through Other Means: If the rideshare company refuses to pay out, or if their coverage is insufficient, you may need to explore other avenues for recovery. This could involve seeking damages through the driver’s personal insurance or pursuing a personal injury lawsuit against the responsible parties.
- File a Lawsuit: If insurance negotiations fail to provide the compensation you deserve, a lawsuit may be your next step. With the help of an attorney, you can pursue legal action against the responsible party, whether it’s the driver or the rideshare company.
Serious Results
Common Questions for Out-of-State Visitors Involved in Rideshare Accidents
- Do I have to file a claim in Florida if I’m from another state?
Yes, if you’re injured in Orlando, you must follow Florida’s claims process, even if you live out of state. This includes filing claims with the rideshare company and potentially seeking legal counsel from an attorney in Florida. - What happens if the driver doesn’t have enough insurance?
If the driver’s personal insurance doesn’t cover your medical expenses or damages, the rideshare company’s insurance may still apply, depending on the circumstances. If all else fails, a lawsuit may be the only option for full compensation. - Can I file a claim for emotional distress?
Yes, in some cases, you can seek compensation for emotional distress, but this depends on the severity of the accident and the resulting injuries. An attorney can help assess your case and determine whether you qualify for additional damages.
If you’ve been injured in a rideshare accident while visiting Orlando, Victory Law Firm P.A. is ready to help. Our dedicated team of personal injury lawyers understands the complexities of rideshare claims and Florida’s insurance laws. We offer free consultations to discuss your case and guide you through every step of the process.
Our goal is to make sure that out-of-state visitors, like you, are treated fairly and receive the compensation they deserve. Reach out to us today to learn more about how we can help with your rideshare injury claim.