Injured While Driving for Uber or Lyft

Knowledgeable Miami Car Accident Attorneys Serving Injured Uber and Lyft Drivers

Driving for Uber or Lyft can be a flexible and rewarding way to earn income, but it also comes with risks. From traffic accidents to assaults by unruly passengers, rideshare drivers face a variety of special hazards while on the job. Unfortunately, as an independent contractor, you’re not eligible for workers’ compensation if you’re injured while driving for Uber or Lyft. This can leave you wondering how to cover your accident-related expenses. The Miami Uber and Lyft accident attorneys at Friedman Rodman Frank & Estrada are here to help you understand your options and fight for the maximum compensation you deserve.

Common Rideshare Driver Injuries

Rideshare drivers face unique risks that can lead to a variety of injuries, including:

• Car Accident Injuries: These can include whiplash, broken bones, spinal injuries, and traumatic brain injuries.
• Passenger Assaults: Drivers may be injured in physical altercations or robberies.
• Repetitive Stress Injuries: Hours behind the wheel can lead to back pain, neck strain, and other chronic conditions.
• Slip and Fall Injuries: Drivers may slip or fall while loading luggage or assisting passengers.

Regardless of how your injury occurred, it’s important to seek medical attention immediately and document the incident to best support your claim. Doing so will ensure that any claim you file will be supported by strong evidence in your favor.

Why Workers’ Compensation Isn’t an Option for Rideshare Drivers

Under Florida law, most employees are entitled to workers’ compensation if they’re injured on the job. However, Uber and Lyft classify their drivers as independent contractors, not employees. This means you’re likely not eligible for workers’ compensation benefits, such as wage replacement or medical coverage.

While this classification limits your recovery options, it doesn’t mean you’re out of luck. There are other available ways to seek compensation for your injuries, depending on the circumstances of your case.

Recovery Options for Injured Uber and Lyft Drivers

If you’ve been injured while driving for Uber or Lyft, there are several ways you may be able to pursue a claim, including:

1. Rideshare Insurance Policies

Both Uber and Lyft provide insurance coverage for their drivers, but the extent of this coverage depends on your status in the app at the time of the accident. For example, if you weren’t logged into the app, the rideshare company’s insurance doesn’t apply; however, your personal auto insurance might. That said, once you’ve accepted a ride request or have a passenger in the car, both Uber and Lyft provide up to $1 million in liability coverage, as well as contingent comprehensive and collision coverage (if you carry personal collision coverage). This coverage can help cover your medical expenses and vehicle damage if another driver was at fault.

Understanding which coverage applies can be complicated, but the Miami Uber and Lyft accident lawyers at Friedman Rodman Frank & Estrada can help you successfully navigate the claims process and ensure you receive the full compensation you’re entitled to.

2. Filing a Claim Against an At-Fault Driver

If another driver caused the accident, their insurance should cover your medical bills, lost income, and other damages. Florida requires all drivers to carry Personal Injury Protection (PIP) insurance, which provides up to $10,000 in immediate medical and wage replacement benefits, regardless of fault. If your damages exceed this amount, you may be able to pursue a liability claim against the at-fault driver’s insurance.

However, if the other driver is uninsured or underinsured, you may need to rely on Uber or Lyft’s uninsured/underinsured motorist coverage, which only applies during active rides.

3. Third-Party Claims

In some cases, you may be able to file a claim against a third party if their negligence contributed to your injuries. For example:

• If a defective vehicle part caused or worsened the accident, you might have a claim against the manufacturer.
• If hazardous road conditions, such as poor signage or potholes, played a role in the crash, the local government or contractor responsible for road maintenance may be liable.

Third-party claims can provide additional compensation beyond what rideshare or personal insurance policies offer.

Contact the Dedicated Miami Rideshare Accident Lawyers at Friedman Rodman Frank & Estrada to Schedule a Free Consultation

At Friedman Rodman Frank & Estrada, we understand the unique challenges rideshare drivers face after an accident. Our team of Miami Uber and Lyft accident lawyers is committed to helping you successfully navigate the recovery process and will fight to ensure you recover full compensation for what you’ve been through. Whether you’re dealing with uncooperative insurance companies, disputed claims, or complex liability issues, we’re here to advocate for your rights. To schedule a free consultation, call us at 305-448-8585 or complete our secure online contact form today. We are not paid unless and until there is a financial recovery secured for you.

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