HOV Law Logo
TAMPA RIDESHARE ACCIDENT ATTORNEY

Justice for Rideshare Accident Victims

Navigating complex Uber and Lyft insurance policies to recover your compensation. Serving Tampa, Hillsborough County, and all of Florida.

Get Your Free Consultation
+1 (407) 801-0101
0+

Cases Handled

$0M+

Recovered for Clients

0+

Years Combined Experience

4.9★

Google Rating

Million Dollar Advocates Forum
Top 40 Under 40 Trial Lawyers
Super Lawyers Rising Stars
AVVO Top-Rated Attorney

Why Choose HOV Law

Navigating Complex
Rideshare Claims

Rideshare Insurance Navigation

Uber and Lyft carry up to $1 million in liability coverage — but only during certain phases of a trip. We know exactly which policy applies and how to access it for your Tampa rideshare accident case.

Multi-Party Claims

Rideshare accidents can involve the driver, the rideshare company, other motorists, and multiple insurance policies. We untangle this complexity and pursue every available source of recovery.

Corporate Accountability

Uber and Lyft classify drivers as independent contractors to avoid liability. We challenge this and fight to hold the rideshare company accountable for your injuries.

Complex Insurance,
Simple Goal — Maximum Recovery

Rideshare accident claims are uniquely complex because of overlapping insurance policies and corporate legal structures designed to shield Uber and Lyft from liability. Our attorneys cut through this complexity to get you paid.

Passenger Injuries
Hit by a Rideshare Driver
Rideshare Driver Injuries
Pedestrian/Cyclist Struck
Scenario Representation

Your Path to Recovery

We handle the legal complexities so you can focus on healing.

01

Free Case Review

After a rideshare accident in Tampa, call HOV Law immediately. We'll determine which insurance policies apply and explain your options at no cost.

Free Case Review
02

Policy Analysis

We analyze the rideshare driver's app status at the time of the crash — offline, waiting for a ride, en route to pickup, or on a trip — because this determines which insurance coverage applies.

Policy Analysis
03

Multi-Policy Negotiation

We negotiate with the rideshare company's insurer, the driver's personal insurer, and any other liable driver's insurer simultaneously to maximize your total recovery.

Multi-Policy Negotiation
04

Litigation When Needed

If the rideshare company or its insurers refuse to pay fairly, we take them to court. We've taken on billion-dollar companies and won.

Litigation When Needed

Tampa Rideshare Accident Attorney — Uber & Lyft Crash Claims

Rideshare services like Uber and Lyft have transformed transportation in Tampa — but they've also created a new category of complex accident claims. Whether you were a passenger in a rideshare vehicle, struck by a rideshare driver, or a rideshare driver injured on the job, recovering compensation requires navigating a maze of overlapping insurance policies and corporate liability shields.

At HOV Law, our Tampa rideshare accident attorneys specialize in these complex claims. We understand the three-phase insurance structure, know how to pierce Uber and Lyft's corporate defenses, and fight to recover maximum compensation from every available source.

ZERO upfront fees. NO WIN, NO FEE.

Understanding Rideshare Insurance Coverage

  • Rideshare insurance operates on a three-phase system that determines which policy applies. Our attorneys know exactly how to navigate each phase:
  • Phase 1:App On, No Ride Request — The driver has the app on but hasn't accepted a ride. The rideshare company provides limited liability coverage (typically $50,000/$100,000 per accident). The driver's personal insurance may also apply.
  • Phase 2:Ride Accepted, En Route to Pickup — The driver has accepted a ride request and is driving to pick up the passenger. Uber and Lyft provide $1 million in liability coverage.
  • Phase 3:Passenger in Vehicle — The passenger is in the vehicle. Full $1 million liability coverage applies, plus uninsured/underinsured motorist coverage.
  • Off App — If the driver's app is off, their personal auto insurance applies. The rideshare company has no coverage obligation.
  • Determining the driver's exact app status at the time of the crash is critical. Our attorneys obtain this data directly from Uber and Lyft through legal discovery.

Who Can File a Rideshare Accident Claim in Tampa?

  • Passengers — If you were riding in an Uber or Lyft and were injured in an accident, you can file a claim against the at-fault driver's insurance and/or the rideshare company's commercial policy.
  • Other Drivers — If a rideshare driver caused your accident, you can file a claim against the rideshare company's insurance, which provides up to $1 million in liability coverage during active rides.
  • Pedestrians and Cyclists — If you were struck by a rideshare driver while walking or cycling, you have the same claims available as against any negligent driver, plus access to the rideshare company's commercial coverage.
  • Rideshare Drivers — If you're an Uber or Lyft driver injured by another motorist, you may have claims against the other driver's insurance, your own coverage, and potentially the rideshare company's insurance.

Florida Laws That Affect Your Case

Statute of Limitations

In Florida, you have a limited time to file your claim: 2 years for negligence (FL Statute § 95.11). Missing this deadline typically means you lose your right to compensation permanently.

“Time is your most valuable asset after an injury. Contact a Tampa attorney immediately to ensure your claim is preserved.”

Modified Comparative Negligence

Florida follows a modified comparative negligence system. If you are found to be more than 50% at fault, you are barred from recovering any damages. Otherwise, your compensation is reduced by your percentage of fault.

Florida Insurance System

Florida operates under a No-Fault (PIP required) system. $10,000 PIP coverage required.

Key Florida Legal Facts

Modified comparative negligence with 50% bar rule
2-year statute of limitations for most negligence cases
No-fault state — PIP coverage required ($10,000 minimum)
No cap on compensatory damages in most personal injury cases
Punitive damages capped at 3x compensatory or $500,000

Local Knowledge: Tampa

High-Risk Roads & Highways

  • I-275
  • Dale Mabry Highway
  • Hillsborough Avenue
  • Kennedy Boulevard

Local Courts

  • Hillsborough County Courthouse
  • Thirteenth Judicial Circuit Court

Areas We Serve Near Tampa

  • St. Petersburg
  • Brandon
  • Temple Terrace
  • Plant City

Tampa Landmarks

  • Downtown Tampa
  • Ybor City
  • Tampa Riverwalk
  • Raymond James Stadium

What Compensation May Cover

Under Florida law, you may be entitled to recover damages for the full impact of your injuries.

Economic Damages

  • • Medical bills (past & future)
  • • Lost wages & earning capacity
  • • Property damage
  • • Rehabilitation costs

Non-Economic Damages

  • • Pain and suffering
  • • Mental anguish
  • • Loss of consortium
  • • Physical impairment

Other Personal Injury Services in Tampa

Tampa Personal InjuryTampa Car AccidentsTampa Truck AccidentsTampa Motorcycle AccidentsTampa Slip & FallTampa Wrongful DeathTampa Medical MalpracticeTampa Bicycle AccidentsTampa Pedestrian AccidentsTampa Brain InjuriesTampa Dog BitesTampa Uber AccidentsTampa Lyft AccidentsTampa Construction AccidentsTampa Workers CompTampa Nursing Home AbuseTampa NegligenceTampa Dangerous DrugsTampa Defective ProductsTampa Drunk Driving AccidentsTampa Hit & RunTampa Uninsured Motorist

Also serving Tampa for Criminal Defense:

Tampa Criminal DefenseTampa DUI DefenseTampa Drug PossessionTampa Assault & BatteryTampa Felony DefenseTampa Misdemeanor Defense

Tampa Rideshare Accidents FAQs

Hurt in a
Rideshare Accident?

Don't navigate the complex rideshare insurance maze alone. Contact HOV Law for a free consultation with an experienced Tampa rideshare accident attorney.