Rideshare accidents in Miami involve a web of insurance policies that can confuse even experienced attorneys. Gonzalez Munoz Law has handled numerous Uber and Lyft accident claims and knows exactly how to maximize your recovery.
The Three-Phase Insurance Problem
Uber and Lyft provide different coverage depending on the driver's status at the time of the crash:
**Phase 1 — App Off:** The driver's personal auto insurance applies. Uber/Lyft provide no coverage.
**Phase 2 — App On, No Passenger:** Uber and Lyft provide contingent liability coverage of $50,000 per person / $100,000 per accident / $25,000 property damage.
**Phase 3 — Passenger In Vehicle:** Uber and Lyft provide $1,000,000 in liability coverage plus uninsured/underinsured motorist coverage.
Who Can Be Held Liable?
- The rideshare driver
- Another at-fault driver
- Uber or Lyft directly (in certain circumstances)
- Vehicle manufacturers (defective parts)
- Government entities (road defects)
Steps to Take After a Rideshare Accident
1. Call 911 — get police and medical help
2. Screenshot your trip details in the app before closing it
3. Photograph all vehicles, injuries, and the scene
4. Get the driver's full name, license plate, and insurance
5. Seek immediate medical treatment — even if you feel fine
6. Contact Gonzalez Munoz Law before speaking to any insurance adjuster
Why These Cases Are Complex
Insurance companies for rideshare companies are sophisticated and well-funded. They will attempt to argue that the driver was in a different phase, that your injuries were pre-existing, or that you contributed to the accident. You need an attorney who has handled these cases before.
Call 305-770-6666 for a free consultation. No fee unless we win.