Cutting through rideshare insurance layers
Florida law requires rideshare drivers to carry specific insurance coverage that changes depending on whether the driver is logged into the app, en route, or carrying a passenger. Sorting out which policy pays is complicated.
We investigate the crash, document your injuries, and deal with the insurance companies so you can focus on healing — and we prepare every case as if it is going to trial.
- Free, confidential case evaluation — you pay nothing unless we win
- Direct access to trial-tested attorneys, not a case number
- Meticulous preparation of every claim — medical records, experts, evidence
- Aggressive negotiation with insurers — and trial when they won't pay fairly
Rideshare crash situations we handle
Whether you were a passenger, another driver, a cyclist, or a pedestrian, we handle every rideshare scenario:
- Injured as an Uber or Lyft passenger
- Hit by a rideshare driver between fares
- Struck while the driver was en route to pick up
- Rideshare driver injured by another motorist
- Crashes during food-delivery trips
- Disputes over which policy period applies
Which insurance policy pays — and when
Rideshare coverage changes by the minute: when the app is off, only the driver’s personal policy applies; when the app is on and waiting, limited contingent coverage applies; once a ride is accepted, up to $1 million in commercial coverage may be available.
Rideshare companies and their insurers dispute app status, trip phase, and fault to push claims into the smallest policy. We obtain the app data, trip logs, and telematics that prove which coverage applies — before that evidence disappears.
- Medical bills — past and future
- Lost wages and earning capacity
- Pain and suffering
- Permanent injury and disability
- Loss of enjoyment of life
- Property damage and out-of-pocket costs
What to do after a rideshare accident
- Get medical care — your health comes first, and prompt treatment also documents your injuries before insurers can claim a "gap in care."
- Report and document — file the police or incident report, photograph everything, and collect names of witnesses while memories are fresh.
- Say nothing to insurers — do not give recorded statements or accept early offers — adjusters use both to reduce what they pay you.
- Call Spinner Law Firm — a free, confidential consultation costs nothing, and you pay no fee unless we win. The earlier we start, the more evidence we can preserve.