Rideshare Accidents

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Hurt in Tampa in an Uber or Lyft? Take Action with a Tampa Uber Accident Lawyer or Tampa Lyft Lawyer

If you need a Tampa rideshare accident lawyer after a crash, Suli Law Group can explain your options and protect your claim.

Why Rideshare Crashes Are Different

Rideshare crashes are different. Whether you were a passenger, a pedestrian, another driver, or even the rideshare driver, the insurance coverage available depends entirely on what the driver’s app was doing at the moment of impact. Most lawyers don’t understand the framework. Suli Law Group does.

Florida's Three Rideshare Insurance Periods

Uber, Lyft, and other Transportation Network Companies must carry tiered insurance:

  1. App OFF
    Only the driver’s personal auto insurance typically applies. Many personal auto policies exclude commercial or rideshare use, which can create significant coverage gaps.
  2. App ON – Waiting for a Ride Request
    Once the driver is logged into the rideshare app but has not yet accepted a trip, the Transportation Network Company (TNC) may provide limited coverage. This often includes:
    • Bodily Injury: $50,000 per person / $100,000 per accident
    • Property Damage: $25,000 per accident
    • Additional benefits such as PIP and UM/UIM coverage may also apply, depending on the circumstances and applicable law.
  3. Ride Accepted or Passenger in the Vehicle
    After a ride is accepted and while transporting a passenger, the TNC’s $1 million primary liability policy generally applies, regardless of the driver’s personal auto coverage. This is often the period with the greatest financial exposure, and insurers will carefully evaluate liability, policy terms, and responsibility for the crash.

Why These Cases Get Complicated

Rideshare companies aggressively dispute when the app is in use. They argue the driver was an independent contractor, not an employee. They blame other drivers, the passenger, or road conditions. They lowball passengers who have nowhere else to turn. With Florida’s modified comparative negligence rule, any percentage of fault assigned to you reduces, or could potentially eliminate, your recovery.

What We Do for Rideshare Victims

Why Suli Law Group Is Different

Founding attorney Laura Sulisufay is a former insurance defense attorney. She built her career defending insurance companies. Now, she uses that insider knowledge against them. Our team knows exactly how adjusters value claims, where they cut corners, and what evidence forces a fair offer.

Frequently Asked Questions

Whose insurance pays after an Uber or Lyft crash?

It depends on what the app was doing at the time of impact. Mark down what happened and whether the app was on and in use.

If the ride was accepted or you were in the vehicle, you may be covered by the rideshare company’s $1 million primary liability policy. However, this is also the period when insurers fight hardest to deny coverage or shift blame.

No. While Uber and Lyft routinely argue independent contractor status to avoid liability, the TNC insurance may still apply, and the company can be pursued directly for negligent hiring, defective vehicles, or app design failures.

Trip logs, GPS data, and driver status records from Uber or Lyft are essential because they prove which insurance period was active. These items are typically obtained through a subpoena.

You can still pursue a claim, and the available coverage still depends on the driver’s app status at the moment of impact. The first step is identifying all applicable insurance layers, including your own UM coverage.

Suli Law Group exists to protect injured people and policyholders at their most vulnerable moments — combining insider knowledge of the insurance industry, relentless preparation, and direct attorney access with the compassion, integrity, and genuine care every client deserves. We pursue justice and accountability with strategy, precision, and heart.

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Suli Law | Personal Injury & Property Insurance Law - Tampa, Florida
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