Start with conduct, not company names
Was a car moving, turning, backing up or stopped? Did another driver hit it? Did a surface condition cause harm apart from the crash? Write down what you saw. Do not blame everyone linked to the site. The owner, driver and rideshare company have different roles. Naming one does not prove the others are liable.
Keep scene photos, witness details, vehicle records and the trip receipt. If pickup messages sent you to a certain entrance, save the whole exchange. Booking a ride through an app does not, by itself, make the driver an employee of that company.
Then determine the app-based coverage period
Under Florida’s rideshare law, a prearranged passenger ride starts when the driver accepts the request. For logged-on waiting, the minimum primary liability limits are $50,000 bodily injury per person, $100,000 per incident and $25,000 property damage. A prearranged ride requires at least $1 million. These are coverage rules, not promised payments. They do not mean every injury near a pickup is covered or that you will receive the policy limit.
The Florida Uber and Lyft accident page explains the statewide rules. If the injury came from a crash rather than a property condition, our Hobe Sound car accident page covers related claim questions. A food delivery, an offline drive and an accepted passenger ride are different activities. Check the facts and policy before treating them as the same.
Finally, identify what the insurer is disputing
Ask what the insurer disputes. Does it question which policy applies, who caused the injury, why you needed care or the amount of your loss? Keep the exact reply. Each issue needs different evidence. A note saying only “claim denied” can hide the real dispute. Save care records, bills, work limits and proof of income, whichever insurer handles the claim.
Before you sign a settlement, check which claims the release gives up and what medical questions remain. Checking the property does not automatically pause duties under a car policy or legal deadlines. Several questions may need work at once. You can ask for help with the next step rather than guess which issue to tackle first.
