RIDESHARE ACCIDENTS

Hurt in an Uber or Lyft? Here's how your care gets paid

A rideshare crash is still a Florida car accident. The same 14-day deadline applies, and in many cases the same PIP coverage pays for your first visits. If you're seriously hurt, go to the emergency room first.

Passengers: start with your own auto policy

If you own a car, the PIP on your own policy covers you as a passenger in any vehicle, including an Uber or Lyft. If you don't own a car, PIP from a relative you live with may cover you instead.

No car and no PIP in your household? Then it depends on the rideshare company's insurance and the details of the trip. Call us and we'll help you sort out your options, including your health insurance.

Rideshare drivers

Drivers usually start with their own PIP too. Whether the rideshare company's insurance also applies can depend on whether the app was on and whether a ride was in progress. Bring what you have and we'll help you figure out where to bill.

The 14-day clock still runs

Florida PIP pays only if your first medical visit happens within 14 days of the crash. That's 14 calendar days, not business days. Whiplash and back pain often show up a day or two later, so don't wait to see how you feel. How the 14-day rule works.

What to bring to your first visit

• Your photo ID
• Your auto insurance card, if you have one
• The trip receipt or a screenshot from the app
• The police report number or the other driver's information
• A claim number, if you've already opened one

Other ways to pay

We also accept most health insurance and letters of protection from your attorney. You don't need a lawyer to be seen.