Tampa Rideshare Accident Attorney
Uber and Lyft crashes follow their own rules in Florida. When the app companies and their insurers start pointing fingers, we make sure someone is pointing at the truth.
Tell us what happened.
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Or call or text (727) 656-7852.
A Rideshare Crash Isn’t Just a “Car Accident.”
Most people don’t realize it: Uber and Lyft crashes follow completely different insurance rules in Florida. If the driver’s app wasn’t in the right phase at the right moment, your access to full compensation can quietly vanish — unless someone steps in fast and sets the record straight.
And in those first days, you’re the one in pain — yet somehow you’re expected to chase down app logs, policy details, and insurance contacts just to get basic answers. That’s not right.
Whether you were the passenger, hit while walking, or struck while driving your own car, what matters now is understanding what coverage exists and how to reach it. That’s our job — not yours.
Florida law, plainly
Whose insurance pays depends on the app
The single biggest thing that decides a Tampa rideshare case is what the driver’s app was doing at the moment of the crash. Florida law ties the available coverage to that status.
App off — personal insurance only
If the driver wasn’t logged in, it’s treated like any ordinary crash: the driver’s personal auto policy applies.
App on, waiting for a ride
Once the driver is logged in and available, Uber and Lyft carry contingent liability coverage (in Florida, at least $50,000 per person / $100,000 per crash for injuries, plus property damage) that can apply.
On the way to you, or you’re in the car
From the moment a ride is accepted through drop-off, Uber and Lyft carry a $1 million third-party liability policy — plus uninsured/underinsured motorist coverage. This is where the real protection is, and it’s exactly what the companies work hardest to keep you from reaching.
Florida’s deadlines and fault rules still apply
You generally have two years from the crash to file (2023 tort-reform law), and being more than 50% at fault ends your recovery. Preserving the trip data early is how we lock down which policy owes you.
What to do after a rideshare crash
Get medical care — and keep every record.
See a doctor even if you feel “okay.” The record from day one is the backbone of your claim.
Screenshot the trip — now.
Capture the ride receipt, driver name, trip status, and time in your Uber or Lyft app. That app status decides which insurance policy applies, and it’s not something you can get back later.
Don’t give any insurer a recorded statement.
Uber’s, Lyft’s, and the driver’s insurers all have reasons to shrink your claim. You’re not required to give a statement — send them to us.
Call a lawyer before you pick a policy to chase.
Multiple policies may be in play. Sorting out which one owes you — and how much — early is the single biggest thing you can do.
During an active Uber or Lyft ride, a $1 million liability policy is in force in Florida — but reaching it depends entirely on proving the app’s status at the moment of the crash. In a busy rideshare market like Tampa, that proof is everything.
Rideshare cases, quick answers
Rideshare accident questions
What should I do right after an Uber or Lyft crash?
Who is responsible — the driver, Uber, or Lyft?
Does the $1 million policy always apply?
How much is my rideshare case worth?
Is there a deadline to file?
What does it cost to hire CDB Injury Law?
You shouldn’t have to fight just to understand who’s supposed to help you.
A career spent untangling insurance for injured people across Tampa Bay — tell us what happened, there’s no cost to talk.