If you’re riding as a passenger in an Uber and your driver gets into an accident, whether they were at fault or another driver caused the crash, you have strong legal rights under Florida law. Unlike drivers who may share responsibility or need to prove fault, passengers are almost always considered innocent victims. That means you are typically entitled to compensation for your injuries, medical bills, lost wages, and pain and suffering.
Here’s what usually happens with regards to coverage and fault:
You Are Covered by Multiple Insurance Policies
As a passenger, you may be protected by:
- Uber’s $1 million liability policy (when the ride is in progress)
- Uber’s uninsured/underinsured motorist coverage (if the at-fault driver has little or no insurance)
- The at-fault driver’s insurance
- Your own PIP (Personal Injury Protection) if you live in Florida
This multilayered insurance structure can help maximize your compensation, but it also creates confusion, delays, and disputes between insurers. This is why it’s vital to seek legal advice from a experienced and dedicated Uber Accident lawyer at the Perazzo Law Firm.
How The Perazzo Law Firm Assists Uber Passengers Injured in an Accident
The Perazzo Law Firm has extensive experience handling Uber, Lyft, and rideshare accident claims in Miami, and we know exactly how to navigate the complexities involved. Here’s how we help:
Identify Which Insurance Policies Apply after an Uber Accident
One of the biggest challenges after an Uber accident is figuring out which insurance company is responsible. Uber claims, personal auto insurance, and the at-fault driver’s coverage often overlap—and each insurer typically tries to push responsibility onto the others. This leads to delays, confusion, and low settlement offers if you don’t have legal help.
At The Perazzo Law Firm, we sort through these insurance layers and determine:
Who is at fault -We investigate the Uber accident from every angle to identify the responsible party. This may include:
- The Uber driver
- Another driver who caused the crash
- Multiple vehicles in a multi-car pileup
- A hit-and-run driver
- A negligent pedestrian or cyclist in rare cases
- We gather police reports, witness statements, video footage, and crash reconstruction evidence to establish clear fault, something insurers often dispute.
Which insurer must pay – Uber accidents can trigger different insurance policies depending on what the driver was doing at the time of the crash:
Driver offline: Personal auto insurance applies
Driver online but no passenger yet: Uber’s limited coverage applies
Ride in progress (you are a passenger): Uber’s $1 million liability policy and $1 million UM/UIM policy may apply
The Uber accident lawyers at the Perazzo Law Firm identify the correct layer of coverage and force the responsible insurer to honor their policy instead of deflecting blame.
How to recover the maximum compensation available – Our goal is simple: ensure you receive every dollar you’re legally entitled to after an Uber Accident. We do that by:
- Documenting all medical treatment and future care needs
- Calculating lost wages and future loss of earnings
- Proving pain and suffering and emotional distress
- Accessing Uber’s high-value insurance policies when available
- Challenging any attempt to downplay your injuries
We also negotiate aggressively to prevent lowball offers and, when necessary, file a lawsuit to hold the at-fault parties accountable.
Handle All Communication With Uber and Insurance Adjusters
Insurance companies often try to minimize payouts or push passengers into quick, low settlements. Our Uber Accident lawyers prevent that by:
Speaking to insurers on your behalf
The seriousness of your injuries plays a major role in determining the value of your Uber accident claim. Insurance companies and attorneys look at:
- Whether the injury is temporary or permanent
- If the injury limits your mobility, comfort, or ability to function
- Whether you required emergency care, specialist treatment, MRIs, or surgery
- Whether your condition is expected to improve or cause long-term complications
More severe injuries—such as herniated discs, fractures, head trauma, nerve damage, or ligament tears—typically lead to higher compensation because they affect your health, safety, and well-being in a more significant way.
Protecting your statements
All medical expenses tied to the Uber accident are considered when calculating your damages. This includes:
- Emergency room visits and hospital bills
- Doctor appointments, chiropractic care, and physical therapy
- MRIs, X-rays, CT scans, and other diagnostic testing
- Prescription medication and medical devices
- Recommended future treatment, such as injections or surgery
Higher medical costs generally increase your settlement because they reflect the true financial impact of your injuries.
Stopping adjusters from pressuring you into unfair offers
Uber Accidents don’t just affect your body, they affect your ability to earn a living and enjoy life. When evaluating your damages, your Miami Uber accident attorney will consider:
- Time missed from work
- Reduced ability to perform your job or work the same hours
- Loss of future earning potential
- Difficulty performing daily activities like driving, lifting, cleaning, or exercising
- How pain or anxiety affects your sleep, mood, and routine
- The loss of hobbies, family activities, or quality of life
The more an accident disrupts your normal life, the more compensation you may be entitled to recover.
Collect Medical Documentation and Prove Your Injuries
We gather the records and expert opinions needed to show:
- The severity of your injuries – By obtaining medical records, specialist evaluations, and diagnostic test results, we clearly demonstrate how serious your injuries are and how they affect your physical health.
- The cost of your treatment – We collect all bills, invoices, and projected future care estimates to document the full financial burden your medical treatment has created.
- How the accident has impacted your work and daily life – Through employer statements, wage records, and personal impact reports, we show how the injury has limited your ability to work, perform daily tasks, and maintain your normal quality of life.
Pursue Compensation for ALL Damages You’re Entitled To
Passengers may qualify for compensation such as:
- Medical expenses – We document all hospital bills, doctor visits, diagnostic tests, and medications to show the full financial impact of your treatment.
- Physical therapy and future care – We work with medical experts to calculate the cost of ongoing therapy, rehabilitation, and any future procedures you may need.
- Lost wages or reduced earning capacity – We gather pay stubs, employer statements, and earnings records to prove how the injury has affected your ability to work now and in the future.
- Pain and suffering – We demonstrate the physical pain, limitations, and daily struggles caused by your injuries to accurately reflect your non-economic losses.
- Emotional distress – We highlight the anxiety, stress, and psychological impact the Uber accident has had on your mental well-being and overall stability.
- Loss of enjoyment of life – We demonstrate how the injury has prevented you from enjoying hobbies, family activities, or the routine parts of life that once brought you comfort and fulfillment.
No Upfront Costs — You Pay Nothing Unless We Win
The Perazzo Law Firm Uber Accident Lawyers in Miami work on a contingency-fee basis, which means that you DO NOT PAY anything out of pocket. Our fees come from the compensation we recover for you.
Injured as an Uber Passenger? You Have Rights. We Protect Them.
A rideshare accident can leave you facing medical bills, stress, and uncertainty. The Perazzo Law Firm provides the guidance and legal support you need to recover physically, financially, and emotionally.
Call 888-PERAZZO for a FREE 24/7 consultation
Or contact us online.
Serving Miami, South Florida, Georgia, and Texas accident victims.