After a car accident, you could be left with severe injuries and questions about paying your medical bills. If you were a passenger in a car crash, you have the right to financial compensation for expenses related to the accident. If you meet Florida’s legal requirements, you could be entitled to file an injury claim.

Call the car accident lawyers Anidjar & Levine at 1-800-747-3733 to make sure you choose the right method to reclaim lost wages and repayment. Schedule a free, no-obligation consultation today. Our team will uphold your right to hold the negotiating party responsible.

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Florida Auto Insurance Claim

If you were injured in a collision as a passenger, you’re entitled to financial compensation for your injuries. You may be considering an insurance claim but don’t know whose insurance company to file with. You have a few options to choose from.

Your Auto Insurance Company

All vehicle owners in Florida are legally required to carry auto insurance. If you own a car, you can file a claim with your insurance company, even if your car wasn’t involved in the accident. The minimum coverage for bodily injury is $10,000 for one person and $20,000 for two people or more. Personal Injury (PIP) insurance covers 80% of medical bills and 60% of lost wages.

Your Driver’s Auto Insurance

Your driver’s auto insurance coverage is available to you, no matter which driver is liable for the accident. If your financial needs exceed the limits of your driver’s auto insurance policy, then you may be able to file a claim with both drivers’ auto insurance companies.

The Other Driver’s Auto Insurance

You can file a claim with the other driver’s auto insurance. If the other driver involved didn’t own the car, you can file a claim with the car owner’s insurance.

How you choose to proceed with an insurance claim, or multiple insurance claims, will depend on the policy limits each person has and the extent of your injuries. If you need help to determine how to get started, consult with your personal injury attorney. Anidjar & Levine can help you understand how to seek financial compensation after you’ve been injured in a car accident as a passenger.  

What if the Drivers Are Uninsured?

Even though Florida requires every vehicle owner to carry auto insurance, a few motorists will still drive uninsured. The penalty for driving uninsured can include a $150 reinstatement fee and suspension of driving privileges for the first offense. If you let your auto insurance collapse, be sure to reinstate it as soon as possible. Subsequent violations within a three-year span will carry even higher reinstatement fees.

If you carry auto insurance, you can check with your insurer to see if you elected for additional coverage. There are two add-ons that could help when you’re involved in a collision with a less responsible driver.

Uninsured Motorist (UM) Coverage

This insurance add-on will pay for property damage and injuries inflicted by a driver with no insurance. It also protects you in the event of hit-and-run accidents. In Florida, the minimum UM coverage is 10/20 which translates to $10,000 bodily injury coverage per person and $20,000 bodily injury coverage per accident.

Underinsured Motorist (UIM) coverage

This add-on covers you when you’re in an accident and the at-fault driver doesn’t have enough insurance to cover your accident-related expenses.

While not required in Florida, some states do require motorists to carry uninsured or underinsured motorist coverage [source]. Although these additional insurance add-on don’t add very much to your premium, the added layer of protection can be well worth it.

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What if I Was Hurt in an Uber or Lyft Car?

Like all drivers in Florida, rideshare drivers are required to carry PIP insurance. They’re also required to have UM and UIM coverage. Even though Uber and Lyft famously have liability coverage of at least $1 million, there are some considerations to keep in mind.

If the driver was on the way to pick up a passenger or had a passenger in the car at the time of an auto accident, an injured victim could receive the full $1 million in liability coverage. However, if the driver wasn’t working or didn’t have the app open during the car accident, their rideshare insurance is not in effect. In that case you have to rely on their personal auto insurance.

If the Uber or Lyft driver had the app open but had not accepted a ride request, you may receive the following benefits:

  • Up to $50,000 in bodily injury liability
  • $100,000 in total injury liability coverage
  • $25,000 for any property damage

Insurance can be confusing when one of the drivers involved works for Uber or Lyft. A Florida rideshare accident lawyer can help you navigate the claims process. You can call us 24/7 to schedule a consultation.

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How Do I File an Injury Claim?

To file a claim, you have to contact the insurance company to make an accident report. Since you were the passenger in an accident, the drivers may have already opened claims. In that case, an insurance adjuster will reach out to you to discuss your personal injury claim. You should only have to get in touch with the insurance company yourself if the drivers involved in the accident failed to disclose your contact information.

Seek Legal Advice

To ensure everything goes smoothly with your injury claim, you can enlist the help of our team of car accident attorneys at Anidjar & Levine. We can review your case and communicate with the insurance company to file your claim. We gather evidence to support your claim and conduct our own investigation of the accident to determine which driver is responsible for your injuries. Call 1-800-747-3733 to speak with us today.