Over the past few years, the popularity of rideshare apps, such as Uber and Lyft, has skyrocketed. Indeed, last year, over 45 million people used a rideshare app at least once to get to their destination. However, drivers who are employed by these companies do not need to meet any special criteria other than having three years of driving experience and a clean driving record. The result is that, in too many cases, inexperienced drivers looking for a quick buck end up causing Florida car accidents while transporting passengers.
The rideshare movement, has raised a number of questions involving who can be held responsible when an accident occurs. The two main rideshare companies, Uber and Lyft, each maintain $1 million insurance policies to cover drivers, riders, and even third parties, such as pedestrians or other motorists. However, that policy is only in effect once a driver has accepted a passenger’s request for a ride.
If an accident occurs while a driver is waiting for a passenger to contact them, or is using their vehicle for personal reasons, the companies’ $1 million insurance policy will not provide coverage. However, there may be other options for accident victims, including filing a claim under their own insurance policy, filing a claim with the driver’s personal policy, or filing a claim with the rideshare company under their liability-only policy. The companies’ liability policies, however, offer only the greatly reduced coverage limits of $50,000 per person and $100,000 per accident.