Navigating the aftermath of a traffic collision is overwhelming, but when your crash involves a rideshare vehicle, taxi, or limousine in Coral Gables, the complexity multiplies. Between multiple insurance policies, corporate liability shields, and independent contractor classifications, figuring out who is responsible can feel impossible. At The Altman Law Firm, led by attorney Jeffrey S. Altman, we understand the unique challenges these cases present. Whether you were injured as a passenger heading to Miracle Mile, a pedestrian near the University of Miami, or another driver hit by a rideshare vehicle on US-1, our team is here to help you understand your legal options and pursue the recovery you need to move forward.
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Reviewed by Jeffrey S. Altman · Florida Bar No. 159174 · Reviewed 15 September 2026
Understanding Rideshare and Taxi Insurance in Florida
Florida law requires rideshare companies like Uber and Lyft, as well as traditional taxi and limo services, to carry specific insurance coverage. However, the amount of coverage available often depends on the exact moment the crash occurred. For rideshare vehicles, coverage limits change based on whether the driver had the app turned on, was en route to pick up a passenger, or had a rider in the vehicle. Taxi and limo companies have their own commercial policy requirements. The Altman Law Firm thoroughly investigates the circumstances of your crash to identify all available insurance policies, ensuring that no potential avenue for recovery is overlooked.
Common Causes of For-Hire Vehicle Crashes in Coral Gables
Coral Gables is known for its beautiful canopy-lined streets and bustling commercial districts, but heavy traffic and confusing intersections can lead to severe collisions. Rideshare and taxi drivers are often distracted by GPS navigation apps, searching for passengers along busy roads like Ponce de Leon Boulevard, or rushing to complete trips quickly. Fatigue is also a significant factor, as many drivers work long hours to make ends meet. When negligence behind the wheel leads to an injury, Florida's comparative negligence laws mean that liability is apportioned based on fault. We work to build a strong case by gathering evidence, speaking to witnesses, and analyzing police reports to establish exactly what happened.
Why Timely Action Matters for Your Claim
After an accident involving a commercial or rideshare vehicle, crucial evidence can disappear quickly. App data may be overwritten, dashcam footage might be deleted, and witnesses' memories fade. Furthermore, Florida has a strict statute of limitations that limits the amount of time you have to file a personal injury or wrongful death lawsuit. Delaying action can jeopardize your ability to seek compensation for medical bills, lost wages, and pain and suffering. By reaching out to The Altman Law Firm promptly, you allow our team to step in, preserve vital evidence, and handle the aggressive tactics often employed by corporate insurance adjusters.
Frequently asked questions
Can I sue Uber or Lyft directly if my driver causes an accident in Coral Gables?
Generally, rideshare drivers are classified as independent contractors rather than employees, which can shield the parent companies from direct liability. However, Uber and Lyft are required to provide substantial liability insurance that covers damages when their drivers are at fault, provided the app was active. We can help you navigate these specific insurance tiers.
What should I do immediately after a taxi or limo crash?
Your health is the priority. Seek medical attention immediately, even if you feel fine, as some injuries take time to manifest. Call law enforcement to ensure an official report is filed. If you are able, document the scene with photos, collect the driver's commercial insurance information, and gather contact details from any witnesses before leaving the scene.
How does Florida's no-fault law affect my rideshare accident claim?
Florida is a no-fault state, meaning you typically turn to your own Personal Injury Protection (PIP) coverage first for medical bills, regardless of who caused the crash. However, if your injuries meet the state's serious injury threshold, you may be eligible to pursue a claim against the at-fault driver's commercial or rideshare insurance policy for additional damages.
How long do I have to file a lawsuit after an accident in Florida?
The statute of limitations for personal injury cases in Florida recently changed. For most negligence claims, you now have two years from the date of the accident to file a lawsuit. Wrongful death claims also carry a two-year time limit. Failing to file within this window usually results in the loss of your right to seek legal recourse.
If you or a loved one has been injured in a rideshare, taxi, or limo collision, contact The Altman Law Firm today to discuss your legal options with an experienced Miami-Dade injury team. Call (305) 373-3730.