June 19, 2026

What You Need to Know Get medical care within 14 days. Florida’s PIP law requires initial medical treatment within 14 days after a motor vehicle accident. Screenshot your ride details. Save the driver’s name, vehicle, license plate, trip route, receipt, and pickup/drop-off information. Report the crash in the Uber or Lyft app. This helps create a digital record tied to your ride. Insurance depends on the driver’s app status. Coverage changes depending on whether the driver was offline, logged on, waiting for a ride, en route, or carrying a passenger. Florida generally gives you two years to file a negligence claim. Some deadlines may be shorter depending on the facts. Talk to a lawyer before giving a recorded statement. Uber, Lyft, and insurance companies may use your early statements against your claim. The Reyes Firm Hurt in an Uber Crash in Tampa? Get clear next steps after a rideshare accident. Had a bad day? Schedule a Free Consultation Introduction An Uber crash in Tampa can be confusing. One moment, you are checking your ride details on your phone. Next, you are dealing with pain, police, insurance questions, and an app-based company that may not explain what coverage applies. Rideshare accidents are different from ordinary car crashes because more than one insurance policy may be involved. Depending on the driver’s app status, your claim may involve your own PIP coverage, a household auto policy, the rideshare driver’s personal insurance, Uber or Lyft’s commercial coverage, or another driver’s insurance. At The Reyes Firm, we created this guide to help you understand what to do first, what evidence to save, and why acting quickly can protect your health and your claim. Watch: What Happens After an Uber Crash in Tampa? After getting hit by an Uber driver, you may have questions about who is responsible, whether Uber’s insurance applies, and what steps to take next. In this short video, The Reyes Firm explains why rideshare accident claims can involve multiple insurance companies and why the driver’s app status matters. What Should You Do Right After an Uber or Lyft Crash in Tampa? After an Uber or Lyft crash in Tampa, call 911, get medical attention, report the crash in the app, take photos, and save your ride details before they disappear from your screen. Your first priority is safety. Move to a safe location if you can, but do not leave the scene. If anyone is hurt, ask for paramedics. Even if your injuries seem minor, let medical professionals evaluate you because some crash injuries worsen hours or days later. Then take these steps: Call 911 and wait for law enforcement. A police report can help document where the crash happened, who was involved, and what the responding officer observed. Get medical care right away. Florida’s PIP law has a 14-day treatment requirement. Waiting too long can create problems for your insurance benefits. Take screenshots inside the Uber or Lyft app. Save the driver’s name, photo, vehicle, license plate, route, receipt, pickup location, and destination. Take photos and videos at the scene. Capture vehicle damage, skid marks, traffic lights, road signs, weather, injuries, and the exact crash location. Get witness information. Ask for names, phone numbers, and brief statements from anyone who saw what happened. Report the crash through the rideshare app. Use Uber or Lyft’s safety tools to create an official in-app report. Avoid guessing about the fault. Do not apologize, speculate, or say you are “fine” before you understand your injuries. The most important thing to remember is this: your ride data may help prove which insurance policy applies. Save it early. 📝 Helpful Note: Florida crash reports can be purchased through the Florida Crash Portal. FLHSMV lists the crash report fee as $10 per report, with an additional convenience fee. Why Are Uber Crash Claims Different From Regular Car Accident Claims? Uber and Lyft crashes are different because the driver may be using a personal vehicle for a commercial rideshare trip. That creates layered insurance questions. In a regular Tampa car accident, the insurance analysis usually starts with the drivers involved. In a rideshare crash, the first question is different: What was the Uber or Lyft driver doing in the app at the exact moment of the crash? That one fact can change the available coverage. For example, the driver may have been: Offline and using the car personally Logged into the app and waiting for a ride request Driving to pick up a passenger Carrying a passenger to the destination Each situation can trigger a different insurance response. That is why screenshots, trip receipts, GPS data, app status, and driver logs matter so much. How Does Florida’s 14-Day PIP Rule Affect Your Uber Accident Claim? Florida is a no-fault insurance state. That means Personal Injury Protection, often called PIP, may pay certain medical bills and lost wages regardless of who caused the crash. Under Florida law, PIP can cover up to 80% of reasonable medical expenses and 60% of lost wages, subject to the policy limit and other statutory requirements. Florida’s PIP statute generally provides up to $10,000 in medical and disability benefits when the legal requirements are met. But there is a strict timing issue. Florida Statute § 627.736 requires that initial medical services and care be provided within 14 days of the motor vehicle accident. If you do not get qualifying medical care within that window, you may lose access to PIP benefits. That matters after an Uber crash because injured passengers may not know which policy applies first. Depending on the facts, coverage may involve your own auto policy, a resident relative’s policy, the rideshare vehicle’s coverage, or another available policy. ⚠️ Warning Box: If you were hurt in an Uber or Lyft crash in Tampa, do not wait to get checked. Florida’s 14-day PIP rule can affect whether certain medical benefits are available. Call The Reyes Firm at 833-4 BAD DAY before insurance deadlines create problems for your claim. Who Pays After an Uber or Lyft Accident