What if I get hit by a ride share vehicle? Period 0: When the driver is not logged into the Uber/Lyft app, Uber/Lyft provides no coverage Period 1: When the driver is logged into the app but has not yet accepted a ride request, Uber/Lyft provide liability coverage for any accident that is the fault Learn More “When is the Driver or Rideshare Company Responsible in an Accident?”
What is covered if vehicle is innocent? You may bring a claim against the at fault driver of the other vehicle for bodily injury. You may also recover against the rideshare company’s insurance under the ride sharing company’s uninsured/underinsured (UM/UIM) insurance coverage. You may obtain compensation for: Past and future physical pain and suffering, mental Learn More “Who is Responsible if I am Injured in a Rideshare Vehicle like Uber or Lyft”
What is covered if the vehicle is at fault? A passenger injured in a rideshare car accident can recover against the rideshare company’s insurance as the company is required to carry third party liability coverage which may pay up to $1 million in coverage. You can bring a lawsuit against the rideshare company’s insurance to Learn More “Am I Covered if I am Injured in a Rideshare Vehicle Like Uber or Lyft”
Florida law requires that auto insurance policies include Uninsured Motorist Coverage (UM) at limits equal to the Bodily Injury Liability Limits or Combined Single Limit for Liability in your policy unless you select a lower limit offered by the Company, or reject Uninsured Motorist Coverage entirely. This rejection must be made in writing in order Learn More “Am I Required to Have a Signed UM Rejection?”
It is not required in Florida, Uninsured motorist (UM) insurance pays if you, your passengers or family members are hit by someone who is “at fault” and does not have insurance, or has insufficient liability insurance to cover the total damages sustained by you. This applies whether you are riding in your car, riding in Learn More “Do I Need UM Motorist Coverage?”
The other driver’s insurance company will cover through property damage liability the cost of repairs or value of your car if it is declared a total loss up to the coverage limit. Florida requires a minimum of $10,000.00 for property damage liability. Your insurance company may also cover your property damage excluding your deductible if Learn More “Whose Insurance Will Cover My Property Damage?”
Personal injury protection insurance covers you regardless of whether you cause an accident (are “at-fault”) – up to $10,000 minus your deductible amount. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. To be entitled to PIP benefits, you must receive initial services and care Learn More “Why is PIP Insurance so Important?”
As a general rule, you should not give a recorded statement to an insurance company concerning a motor vehicle accident without the advice of an attorney. Insurance companies can use this statement against you to deny your claim. They can ask questions worded in such a way that they trap or trick you into responses Learn More “I Was Asked for a Recorded Statement. Should I Give it?”
You should never sign a release without first consulting with a lawyer. Before signing a release, you have the opportunity to discuss it with a lawyer to make sure that your interests are protected, it’s your right. Insurance companies approach injured persons immediately and offer a quick settlement. However, that settlement doesn’t consider the injured Learn More “I Was Asked to Sign a Bodily Injury Release. Should I sign?”
Yes you may but your vehicle will have a salvage title. In Florida, once an insurance company determines that your car is a total loss, you have the option to either transfer title of the vehicle to the auto insurance company or have repairs performed to the vehicle and obtain a salvage title from the Learn More “Can I Keep My Car if the Insurance Company Declares it a Total Loss?”