Rideshare accidents are increasingly common in North Miami — and the insurance situation is more complicated than a standard car accident. If you were injured as a passenger in an Uber or Lyft, or if a rideshare vehicle hit your car, here is what you need to know about getting care.

The Rideshare Insurance Landscape

Rideshare companies like Uber and Lyft carry commercial liability insurance that covers passengers and third parties injured in accidents involving their drivers. The coverage depends on the driver's status at the time of the crash:

Driver logged off — Only the driver's personal auto insurance applies.

Driver logged in, waiting for a ride request — Uber/Lyft provide limited liability coverage ($50,000 per person, $100,000 per accident).

Driver en route to pick up or carrying a passenger — Uber/Lyft provide up to $1 million in liability coverage.

As a passenger in an Uber or Lyft at the time of the accident, you are covered by the $1 million policy — regardless of fault.

Your Florida PIP Coverage Still Applies

Even in a rideshare accident, your own Florida PIP insurance is your first line of coverage for medical expenses. PIP covers 80% of your medical bills up to your policy limit, regardless of who caused the accident.

If you do not have your own auto insurance (for example, if you do not own a car), Uber and Lyft's uninsured motorist coverage may apply to your medical expenses.

What to Do After a Rideshare Accident

1. Call 911 and get a police report
2. Document the scene — photograph the vehicles, your injuries, and the Uber/Lyft app showing your ride
3. Report the accident through the Uber or Lyft app — this creates an official record with the company
4. Get the driver's information — name, license, insurance, and vehicle details
5. Seek medical care within 14 days to preserve your PIP benefits

Why Rideshare Accident Injuries Are Often Underreported

Passengers in rideshare accidents sometimes hesitate to seek medical care because they feel awkward about making a claim against the driver or the company. Do not let this stop you.

Rideshare companies carry commercial insurance specifically for this purpose. You are not personally harming the driver by filing a claim — you are using the insurance that exists to protect you.

How SPARK Chiropractic Helps Rideshare Accident Patients

We treat rideshare accident injuries the same way we treat any car accident injury — with comprehensive evaluation, thorough documentation, and effective chiropractic care.

We bill your PIP insurance directly and can provide the detailed injury documentation that rideshare insurance claims require. We also work with personal injury attorneys who specialize in rideshare cases.

Call SPARK Chiropractic at (786) 558-4601 for a same-day evaluation. We are at 8801 Biscayne Blvd, North Miami, FL 33138. Walk-ins welcome.