Ridesharing is convenient and efficient most of the time. Most people do not think about what happens in the event of an accident involving Lyft or Uber.
Thinking ahead can save you money and time, however. Consider these three unique factors about using rideshares in Florida.
1. If the rideshare driver causes the accident, insurance will likely cover your losses
The rideshare company has its own insurance policy for accidents that occur during an active ride. They also usually require drivers to carry their own personal insurance. You can file a claim against both the rideshare company and the individual driver.
2. Insurance may not cover your losses if someone else is at fault
Florida is infamous for only requiring motorists to have personal injury protection (PIP) insurance. This type of policy only covers the driver who caused an accident. It does not cover anyone else whom the at-fault driver injured. The only way insurance will compensate you is if the at-fault driver has bodily injury protection (BI). According to the Insurance Information Institute, Florida is one of the most expensive states for car insurance. Some motorists forgo adding BI to their policy in order to save money.
3. Wear a seatbelt, even if you are in the back seat
Florida law follows “comparative fault” for car accident claims. This means that if you were not wearing your seatbelt and the seatbelt would have protected you, the opposing party’s insurance company can argue that you should not get as much compensation.
Plan ahead and take appropriate precautions before hailing a Lyft or Uber.