The following article will cover:
- The role of the rideshare company’s insurance policy in covering injuries and damages, depending on fault determination in the accident.
- The significance of Florida’s Uninsured or Underinsured Motorist Coverage in rideshare accidents, as rideshare companies no longer carry UM coverage.
- The absence of Personal Injury Protection (PIP) benefits when driving for a rideshare company, and what to do if a rideshare driver’s insurance denies a personal injury claim.
What Role Does The Rideshare Company’s Insurance Policy Play In Covering My Injuries And Damages?
The role of the rideshare company’s insurance policy depends on who is found to be at fault for the accident. If the rideshare driver is at fault, then their coverage would be primarily responsible for your injuries and damages. If another vehicle caused the accident, then that driver’s insurance would be liable.
Hence, it is critical to understand that a rideshare’s insurance coverage isn’t always the one responsible for compensation. Uninsured/Underinsured motorist (UM) coverage can be very beneficial in these scenarios, as it will cover you regardless of who is at fault.
Does Florida’s Uninsured Or Underinsured Motorist Coverage Affect Rideshare Accidents?
Yes, Florida’s UM coverage plays a crucial role in rideshare accidents. If the other vehicle involved in the accident is at fault and they lack adequate insurance, you would have to rely on your own UM insurance to cover the accident, as rideshare companies no longer carry UM coverage.
What Is Personal Injury Protection (PIP) And What Role Does It Play In Rideshare Personal Injury Claims In Florida?
Personal Injury Protection (PIP) is intended to cover your initial medical bills, regardless of who is at fault in an accident. However, when you’re driving for a rideshare company, your personal insurance will not provide PIP benefits.
This is because your insurance premiums are based on the average use of your vehicle, and driving for rideshare typically involves significantly more usage. Consequently, the increased risk is not factored into your premium, allowing the insurance company to deny PIP coverage.
What Do I Do If A Rideshare Driver’s Insurance Company Denies My Personal Injury Claim?
If a rideshare driver’s insurance company denies your personal injury claim, consider seeking the assistance of an attorney. Insurance companies are often keen to deny claims or pay the bare minimum.
An attorney can help navigate these negotiations and ensure that your future treatment needs and the potential long-term effects of your injuries are taken into account. Remember, insurance companies, including those representing rideshare companies, will attempt to minimize their payouts or outright deny the claim, regardless of fault.
Approaching them as an individual often yields less satisfactory results than engaging a professional attorney experienced in rideshare cases. This is due to the specific protocols that need to be followed in such cases, ensuring that all aspects are meticulously addressed to maximize the potential for a successful outcome.
For more information on Rideshare Companies’ Insurance Policy In FL, a FREE initial consultation is your next best step. Get the information and legal answers you are seeking by calling Fenstersheib Law Group, 24/7 at (800) 835-5762 today.
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