Miami Uber Accident Lawyer

Ridesharing services like Uber have become an essential part of life in Miami. Whether you are heading to work in Brickell, catching a game in Wynwood, or enjoying a night out in South Beach, many of us trust Uber to get us there safely. Unfortunately, accidents can and do happen. When you are injured as an Uber passenger, driver, or even as another motorist or pedestrian, knowing your rights is critical. At the Law Offices of Gonzalo Funes, PA, we help victims of Uber accidents fight for the full compensation they deserve. Contact a dedicated Miami Uber accident lawyer from our legal team for a free case evaluation today.

Common Causes of Uber Accidents

Uber drivers, like anyone else behind the wheel, are prone to human error. But the nature of ridesharing adds unique risks to the equation. Some of the most common causes of Uber accidents are as follows:

• Driver distraction: Uber drivers often rely heavily on their phone app for navigation, ride requests, and messaging passengers. This constant device interaction increases the risk of distracted driving.
• Fatigue: Many Uber drivers work long hours or drive for Uber as a second job, leading to fatigue. Drowsy driving is dangerous and can cause slowed reaction times or even falling asleep at the wheel.
• Speeding: Drivers may feel pressure to complete rides quickly to earn more fares, leading to excessive speeds that increase both the likelihood and severity of a crash.
• Unfamiliarity with local roads: Some Uber drivers are not familiar with Miami’s streets or traffic patterns. Sudden turns, last-minute lane changes, or missing a traffic sign can easily result in a collision.
• Impairment: While rare, there are cases where rideshare drivers operate under the influence of drugs or alcohol, putting everyone at risk.
• Failure to obey traffic laws: Running red lights, failing to yield, or improper lane changes can all cause serious accidents.
• Hazardous weather conditions: Rain and flooding, which are common in South Florida, create slippery conditions that can contribute to rideshare accidents.
• Other negligent drivers: Sometimes the Uber driver is not at fault at all. Another reckless motorist may cause a crash while the Uber driver is simply in the wrong place at the wrong time.

No matter how your Uber accident happened, our Miami injury lawyer is ready to help investigate the cause, gather evidence, and build a strong case on your behalf.

Uber’s Liability Coverage in Florida

Uber’s liability coverage in Florida is designed to provide protection for both passengers and others harmed in an Uber-related accident. However, the coverage available depends on the driver’s status at the time of the crash. Understanding these distinctions is vital if you are considering a claim.

When an Uber driver is not logged into the app, their personal auto insurance applies. In these situations, Uber offers no additional coverage.

When the driver is logged into the app and waiting for a ride request, Florida law requires Uber to provide at least:

• $50,000 in bodily injury coverage per person
• $100,000 in bodily injury coverage per accident
• $25,000 in property damage coverage

If the driver is en route to pick up a passenger or during an active trip, Uber’s commercial insurance policy kicks in. This includes:

• $1 million in third-party liability coverage
• Uninsured or underinsured motorist coverage
• Contingent comprehensive and collision coverage (if the driver maintains such coverage on their personal policy)

This insurance structure is similar to other states, but Florida’s strict insurance minimums and no-fault rules make it especially important to determine what stage of the ride the driver was in. Moreover, Florida’s insurance laws require that your own Personal Injury Protection (PIP) insurance may still apply first, depending on your role in the accident.

The process of determining which insurance applies can be confusing, and insurance companies may try to minimize your payout. That’s where we step in. The Law Offices of Gonzalo Funes, PA will work to identify the right insurance policy and demand full compensation for your injuries.

File Your Claim On Time

After an Uber accident, time is not on your side. In Florida, the statute of limitations for filing a personal injury lawsuit, including rideshare accident claims, is generally two years from the date of the crash. Missing this window usually means losing your right to pursue compensation altogether.

It is also important to act quickly for other reasons. The sooner you begin the claims process, the easier it is to gather vital evidence such as dashcam footage, app data, and witness statements. Delays can result in evidence disappearing or memories fading, both of which can weaken your case.

If you are making a claim against your own insurance under PIP, Florida law requires you to seek medical treatment within 14 days of the accident to qualify for PIP benefits.

Contact a Miami-Dade County Uber Accident Lawyer Today

Uber accidents can leave victims facing serious injuries, financial stress, and a long road to recovery. That said, we are here to fight for the full and fair compensation to which you are entitled. Contact a skilled Uber accident lawyer from the Law Offices of Gonzalo Funes, PA today for a free consultation. We are here to answer your questions, explain your rights, and guide you every step of the way.