Can insurance protect a business owner in Orlando, Florida from liability?

Transportation network companies (TNC) are entities that use “smartphone technology to connect individuals who want to ride with private drivers for a fee.” These companies are required to carry certain limits of insurance coverage to ensure drivers and passengers are protected in the event of an accident. Uber and Lyft are some examples of TNCs.

 

TNCs that operate in Florida are required to carry the following limits:

 

When “a TNC driver is logged onto the digital network but not engaged in a prearranged ride,” CS/HB 221 requires:

  • They are covered by primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage;
  • The minimum amount of personal injury protection (PIP) benefits;
  • Uninsured and underinsured vehicle coverage as required by law.

 

When a TNC driver is engaged in a prearranged ride, Florida law requires:

  • Primary automobile liability coverage of at least $1 million for death, bodily injury, and property damage;
  • Minimum PIP benefits;
  • Uninsured and underinsured vehicle coverage as required by law.

 

Aside from meeting the minimum requirements the state has set for TNCs, CS/HB 221 also requires that these companies or a third party conduct a local and national background check on all of its drivers every three years as well as check their driving record once when the individual applies for the position as a TNC driver.

 

Who pays for medical expenses when an Uber or Lyft driver is involved in an accident while transporting a passenger?

 

Typically, when a passenger in an Uber or Lyft is injured in an accident, they should be covered by the TNCs insurance policy. Unfortunately, this doesn’t always happen. in some cases, the insurer may be willing to cover certain damages but may undervalue a victim’s claim. In other cases, the insurer might deny the claim, leaving the injured party without a way to get their medical bills covered given they suffered injuries.

Therefore, anyone who has been involved in an Uber or Lyft accident in Fort Lauderdale, FL is encouraged to contact the FL accident lawyers at Madalon Law to learn more about their rights as a rideshare accident victim. The legal professionals at Madalon Law can also help a victim explore the different avenues they can take in order to recover the maximum amount of compensation they are due. For those who wish to discuss their case with a skilled Fort Lauderdale, FL accident attorney, contact Madalon Law at 954-923-0072.

 

You can reach Madalon Law at:

 

100 N. Federal Highway, #CU5

Fort Lauderdale, FL 33301

Phone: 954-923-0072

Website: www.madalonlaw.com