Injured in an Uber in Florida? Here’s What No One Tells You
Rideshare services like Uber and Lyft are everywhere in Central Florida. In Clermont, they’re commonly used for trips to Orlando International Airport, nights out near Downtown Clermont, visits to nearby theme parks, and daily commutes along Highway 50.
But when an Uber ride ends in a car accident, most passengers are shocked to learn this truth:
Uber accidents are nothing like regular car accidents—and the insurance rules are far more complicated than people realize.
If you were injured while riding in an Uber in Clermont or anywhere in Florida, here’s what no one tells you—but absolutely should.
Uber Accidents in Clermont Are More Common Than You Think
Clermont’s growth over the last decade has brought more traffic, more tourists, and more rideshare drivers to the area. Accidents frequently happen:
Along US-27 and Highway 50
Near shopping centers, restaurants, and bars
During trips to and from Orlando attractions or MCO
Late at night or during weekend rush hours
Rideshare drivers are often navigating unfamiliar roads, distracted by GPS apps, or rushing to pick up the next fare—conditions that increase the risk of crashes.
What No One Tells You: Uber Has Different Insurance Rules Depending on the Moment of the Crash
Most passengers assume Uber’s insurance automatically covers everything. That’s not always true.
In Florida, Uber insurance depends on what the driver was doing at the exact time of the accident:
If the Uber App Was OFF
Uber provides no coverage at all. The driver’s personal insurance applies.
If the App Was ON (Waiting for a Ride)
Uber provides limited coverage, which may not fully cover serious injuries.
If You Were a Passenger in the Uber
Uber provides up to $1 million in liability coverage—but accessing it is rarely straightforward.
Insurance companies often dispute:
Whether the app was active
Who caused the accident
Which policy applies first
This is where many injury claims stall or get undervalued.
Another Surprise: Florida’s No-Fault Insurance Still Applies
Even as an Uber passenger, Florida’s no-fault (PIP) system may come into play.
That means:
Your own auto insurance could be involved
Medical bills may not be fully covered
Serious injury thresholds affect whether you can pursue full compensation
Many injured passengers don’t realize they may need to navigate multiple insurance policies at once.
Tourists, Locals, and Snowbirds Face Different Challenges
Clermont sees a mix of:
Local residents
Seasonal snowbirds
Out-of-state tourists
If you were injured in an Uber while visiting Florida, you may still be able to file a claim here—but doing so from another state can be complicated without local legal help.
The Biggest Mistake Uber Passengers Make After an Accident
The most common (and costly) mistake?
Assuming Uber will “handle everything.”
In reality:
Uber is not your insurance company
Claims are often routed through third-party insurers
Passengers are sometimes pushed toward quick, low settlements
Other mistakes include:
Not screenshotting the ride details
Giving a recorded statement too soon
Delaying medical treatment
Posting about the accident on social media
What Compensation May Be Available After an Uber Accident in Florida?
Depending on your injuries, you may be entitled to compensation for:
Medical expenses (current and future)
Lost wages
Pain and suffering
Permanent injury or disability
Loss of enjoyment of life
Every case is different, and rideshare claims often involve higher insurance limits—but also more resistance from insurers.
Why Uber Accident Cases Often Require a Clermont Injury Attorney
Uber and Lyft accidents involve:
Corporate insurance policies
Complex liability questions
Florida-specific injury laws
Aggressive insurance adjusters
Working with a Clermont personal injury attorney who understands local roads, local courts, and Florida’s rideshare laws can make a significant difference in the outcome of your case.
Injured in an Uber in Clermont? Don’t Guess—Get Answers.
If you were injured while riding in an Uber or Lyft in Clermont or the surrounding Lake County area, you don’t have to figure this out alone.
Understanding which insurance applies—and how to protect your claim—can prevent costly mistakes and unnecessary delays.
If you or a loved one has been injured, you may have legal options. Speak with a trusted Clermont injury attorney to understand your rights.
Proudly serving Clermont and South Lake County, Florida.
*Call John Kilpatrick PLLC at 352-634-6923.
*Visit our website at www.JohnKilpatrickLaw.com
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