Vehicle movement and driver activity are not the same proof
A video may show a turn, lane or impact but tell you nothing about the app. An accepted ride request may help identify the insurance that applies. It may not show who caused the crash. Keep the full context, not just a clip that supports one view. If someone gives you footage, note who supplied it. Keep the original file when you can.
The Jupiter car accident page explains who may be at fault for a crash. A rideshare claim also needs proof of the driver’s app status. Was the driver offline, logged on and waiting, or on an accepted ride? A sticker or phone mount does not answer that question. Even proof that someone drives for Uber or Lyft does not show that a ride was accepted.
Why acceptance matters before pickup
Under Section 627.748, a prearranged ride starts when the driver accepts the request. During that period, primary liability insurance must provide at least $1 million in coverage. A driver logged on and waiting for a request has different minimum limits. They are $50,000 for bodily injury per person, $100,000 per incident, and $25,000 for property damage. These are required insurance limits, not promises about what a claim will pay. The Florida rideshare accident page explains the broader rules.
Do not wait for a perfect recording to document the injury
Without video, other proof may still help. Save medical records, witness details and photos of the cars. Keep care instructions and bills. Note the dates you could not do your usual work and save pay records that support the loss. Be honest about gaps in the proof. Do not guess what a missing camera would have shown.
Keep the insurer’s requests and the reasons it gives for disputing your claim. For missing files, note whether they are “not yet requested,” “not provided,” or “confirmed unavailable.” Those labels do not mean the same thing. Before you accept an offer, read which claims the release would end. Check what the insurer says it will pay for and what care you still need. Asking for records does not meet every duty to notify an insurer or file suit.
