Reviewed by Jeffrey S. Altman · Florida Bar No. 159174 · Reviewed 15 September 2026
Understanding Rideshare and Commercial Vehicle Insurance in Florida
Unlike a standard two-car collision, crashes involving an Uber, Lyft, taxi, or limousine introduce layers of insurance coverage. Florida law requires rideshare companies to carry specific insurance depending on the driver's status at the time of the crash—whether they are waiting for a ride request, en route to pick up a passenger, or actively transporting someone. Taxis and limousines are governed by different commercial insurance requirements. Identifying which policy applies to your injuries is a critical first step. At The Altman Law Firm, we thoroughly investigate the circumstances of your crash to identify all potential sources of coverage, ensuring that corporate insurance companies do not unfairly minimize your claim.
How Florida's Comparative Negligence Laws Impact Your Claim
In any personal injury claim, determining fault is essential. Florida operates under a modified comparative negligence system. This means that if you are found partially responsible for the accident, your potential recovery may be reduced by your percentage of fault. However, as a passenger in a rideshare or taxi, you are rarely at fault for the collision. The liability typically falls on the hired driver, the driver of another vehicle, or a combination of both. Our team carefully examines police reports, witness statements, and physical evidence from Indian River County intersections to build a strong case on your behalf, protecting you from unwarranted shifts in blame.
Time Limits for Filing an Injury Claim in Indian River County
After a traumatic event, taking legal action might not be your immediate priority. However, Florida imposes strict statutes of limitations on personal injury and wrongful death claims. If you fail to file a lawsuit within the legally prescribed timeframe, you may permanently lose your right to seek compensation for medical bills, lost wages, and pain and suffering. Evidence can also disappear quickly; skid marks fade, and witness memories blur. By contacting The Altman Law Firm promptly, you allow us to preserve vital evidence and ensure that all procedural deadlines are met while you prioritize your medical recovery.
Frequently asked questions
What should I do immediately after an Uber or Lyft accident in Indian River County?
First, prioritize your safety and health by calling 911 and seeking medical attention, even if you feel fine initially. Report the accident to law enforcement so there is an official record. If you are able, take photos of the scene, the vehicles involved, and your injuries. You should also report the crash through the rideshare app, but avoid giving recorded statements to their insurance adjusters before consulting with legal counsel.
Can I sue the rideshare company directly for my injuries?
Rideshare drivers are typically classified as independent contractors rather than employees, which can shield the parent company from direct liability in many cases. However, Uber and Lyft provide substantial liability insurance policies that cover passengers and third parties when the driver is engaged in a ride. The Altman Law Firm can help determine exactly which insurance policy applies to your specific situation.
Who pays my medical bills if I was a passenger in a taxi crash?
Florida is a no-fault state, meaning your own Personal Injury Protection (PIP) coverage is generally the first source of payment for medical bills, regardless of who caused the crash. If your injuries exceed your PIP limits or meet the state's serious injury threshold, you may pursue a claim against the at-fault taxi driver's commercial insurance policy or the company that owns the vehicle.
Will my case have to go to trial?
Many personal injury claims are resolved through negotiated settlements with the insurance companies before a trial becomes necessary. However, if an insurance carrier refuses to offer a fair settlement that covers the full extent of your damages, taking the case to court may be the appropriate next step. Jeffrey S. Altman and our team prepare every case as if it will go to trial, ensuring we are ready to advocate for you in the courtroom if the situation demands it.
If you or a loved one has been injured in a rideshare or commercial vehicle crash, contact The Altman Law Firm today to discuss your legal options. Call (305) 373-3730.