SR-60 Semi-Truck Crash in Osceola County: Who Pays When Several Trucks and Cars Collide?
After the SR-60 crash involving two semis and a pickup, learn who pays in a Florida multi-car truck accident, how fault is split, and key deadlines.
What Is the Average TBI Settlement in Florida?
There is no official average TBI settlement in Florida. Learn what drives brain injury claim value, from PIP and permanency to fault and deadlines.
Hit by a DoorDash Driver in Tampa? Who Pays and When You Need a Lawyer
Hit by a DoorDash driver in Tampa? Learn who pays first under Florida law, when DoorDash insurance may apply, and when to call a lawyer.
Rear-Ended by a Semi-Truck in Florida? Who Pays When a Truck Hits Stopped Traffic
Hit from behind by a semi in stopped traffic? Learn who is at fault in Florida, which insurance pays, and the deadlines that protect your Tampa claim.
Hit by a FedEx Freight Truck in Florida? Why the 2026 Spin-Off Matters for Your Claim
Hit by a FedEx Freight truck in Florida? FedEx Freight became its own company on June 1, 2026. Learn who may be responsible and what to do next.
Florida’s 51% Fault Rule: How Comparative Negligence Works If You’re Partly to Blame for a Crash
What You Need to Know Florida follows modified comparative negligence. If you are found more than 50% at fault for your own injuries, you cannot recover damages. If you are 50% at fault or less, you can still recover money, but your award goes down by your share of fault. The rule applies to negligence lawsuits filed after March 24, 2023. Medical negligence cases are treated differently. When several parties share the blame, each one generally pays only its own percentage of your damages. Most Florida negligence lawsuits must be filed within two years, so waiting can cost you your claim. Had a bad day? Call The Reyes Firm at 833-4BAD-DAY ((833) 422-3329) SCHEDULE A FREE CASE REVIEW Maybe you were going a little over the speed limit. Maybe you glanced at your GPS a second before the other driver ran the light. Now the insurance adjuster says the crash was partly your fault, and you are wondering whether you still have a claim. Under comparative negligence in Florida, being partly to blame does not automatically end your case. But the rules changed in 2023, and the stakes are higher than they used to be. A one-percentage-point difference in fault can now decide whether you recover anything at all. This guide explains Florida’s 51% fault rule in plain English, how it reduces compensation, how insurance companies use it, and what Tampa crash victims can do to protect their claims. What Is Florida’s 51% Fault Rule? Florida’s 51% fault rule means you cannot recover damages if a jury finds you were more than 50% at fault for your own injuries. If your share of fault is 50% or less, you can still recover, but your award is reduced by your percentage of fault. The rule comes from Florida Statutes § 768.81(6). The official statute uses the phrase “greater than 50 percent at fault.” People call it the 51% rule because 51% is where recovery stops. Here is what that means in practice: 0% at fault: You may recover your full damages. 1% to 50% at fault: You may recover, minus your percentage. More than 50% at fault: You recover nothing from the other parties. The rule covers far more than car crashes. Under § 768.81(1)(c), it applies to negligence, strict liability, products liability, and similar claims. This includes truck crashes, slip-and-fall cases, and defective product claims in Tampa and across Florida. You can read the full statute on the Florida Senate website. Watch Attorney Edward Reyes explain what happens when you are partly at fault for a crash in Florida: Tampa personal injury attorney Edward Reyes explains Florida’s modified comparative negligence rule and how your share of fault can reduce or bar your compensation. How Does Comparative Negligence Reduce Your Compensation in Florida? Comparative negligence reduces your compensation by your share of the blame. If your total damages are $100,000 and you are found 20% at fault, you could recover $80,000. The reduction applies to both economic damages, like medical bills and lost wages, and noneconomic damages, like pain and suffering, under § 768.81(2). The example below shows how quickly the numbers change. (Example for illustration only. Every case is different.) Your Share of Fault Total Damages What You Could Recover 0% $100,000 $100,000 20% $100,000 $80,000 40% $100,000 $60,000 50% $100,000 $50,000 51% $100,000 $0 Notice the jump between 50% and 51%. At 50%, you still recover half. At 51%, you recover nothing. That cliff is why fault percentages matter so much in Florida injury claims today. 🛡️ Your Rights Under Florida Law: Under Florida Statutes § 768.81(2), your own share of fault reduces your damages “but does not bar recovery,” as long as you are not found more than 50% at fault under subsection (6). In plain English: making a mistake does not mean you lose your right to be compensated. You have the right to dispute the fault percentage an insurance company assigns to you. Their number is an opening position, not a final ruling. If your case goes to trial, a judge or jury decides the percentages based on the evidence. When Did Florida Switch From Pure to Modified Comparative Negligence? Florida switched from pure to modified comparative negligence when HB 837 took effect on March 24, 2023. The new rule applies to lawsuits filed after that date. Under the old system, being partly at fault reduced your recovery but never wiped it out. Now, being found more than 50% at fault ends your claim. So, is Florida a comparative negligence state? Yes. But it is now a modified comparative negligence state, not a pure one. Many older articles online still describe the old rule, so be careful what you rely on. A few key points about the change: Filing date matters. The law states that it applies to causes of action filed after March 24, 2023, unless the act provides otherwise. Medical negligence is different. The 51% bar in § 768.81(6) does not apply to personal injury or wrongful death claims arising from medical negligence under Chapter 766. Intentional harm is different. Under § 768.81(4), the comparative fault statute does not apply to claims based on intentional torts, such as assault. If your crash happened near the 2023 cutoff, how the rule applies can depend on specific dates. That is a question to review with an attorney. ⚠️ Warning: Florida’s Two-Year Filing Deadline: Under Florida Statutes § 95.11(5)(a), most lawsuits “founded on negligence” must be filed within two years. Wrongful death claims also have a two-year limit under § 95.11(5)(e). Before HB 837, the negligence deadline was four years. The shorter two-year deadline applies to negligence claims that accrued after March 24, 2023 (ch. 2023-15, § 28, Laws of Florida). Some claims follow different rules, including claims against government agencies and medical malpractice. Miss the deadline, and you may lose your right to sue, no matter who was at fault. How Do Insurance Companies Try to Shift Blame Onto You? Insurance companies may try to shift
Tow Truck Accident in Seffner or Tampa: Who Pays for Your Injuries?
Quick Summary If a tow truck hurt you, the driver, the tow company, or another driver may be responsible. The facts decide who pays. Florida’s Move Over law, Fla. Stat. § 316.126, requires drivers to move over or slow down for a working wrecker with its warning lights on. Your own Personal Injury Protection (PIP) coverage may pay initial medical bills, subject to policy limits and treatment requirements. You generally must receive initial care within 14 days to qualify for PIP medical benefits. Tow truck insurance requirements vary based on the vehicle’s weight, business operations, and applicable state or federal rules. Most Florida negligence lawsuits involving crashes after March 24, 2023, have a two-year filing deadline. In most negligence cases, being more than 50% at fault can prevent recovery. Had a bad day? Call The Reyes Firm at 833-4BAD-DAY ((833) 422-3329) SCHEDULE A FREE CASE REVIEW A tow truck is supposed to show up after the worst part of your day. When that truck is the reason you got hurt, you are left with questions nobody prepared you for. Who pays? Is the tow company responsible, or the driver? Does it matter who called the truck? A tow truck accident in Florida can be more complicated than a typical car crash. Tow companies may operate under special insurance rules, police rotation programs, and commercial vehicle regulations. Some crashes happen when a tow truck hits another car. Others happen when a driver fails to move over for a wrecker working on the shoulder of I-4 near Seffner or I-275 in Tampa. This guide explains who may pay for your injuries, which insurance may apply, which deadlines matter, and what to do next if you were hurt in Seffner, Tampa, or anywhere in Hillsborough County. Who Pays for Your Injuries After a Tow Truck Accident in Florida? Who pays depends on who caused the crash and which insurance policies apply. The tow truck driver may be responsible for careless driving. The tow company may share responsibility based on its own actions or its relationship with the driver. Another motorist may be responsible for ignoring the Move Over law. Your PIP coverage may also help pay initial medical expenses. Here is how that often plays out: What happened Who may be responsible Where payment may come from A tow truck driver hits your car The driver and potentially the tow company Applicable PIP benefits and the responsible party’s liability insurance A towed car, chain, or strap comes loose The operator, tow company, or whoever secured the load Applicable commercial liability or other insurance policies Another driver hits a wrecker on the shoulder The driver who caused the crash The driver’s liability insurance and other applicable benefits A government-owned tow or service vehicle is involved A government entity or other responsible party Coverage and claims subject to special rules under Fla. Stat. § 768.28 Several parties may share responsibility: The tow truck driver: For speeding, distracted driving, unsafe turns, or failing to yield. The tow company: For negligent hiring, supervision, training, or equipment maintenance. The company’s legal responsibility can also depend on its relationship with the driver. Whoever secured the load: If a towed vehicle, chain, strap, or piece of equipment came loose. Another driver: If that driver caused the crash or failed to follow Florida’s Move Over law. A government entity: In certain cases involving government-owned vehicles or government employees. Special legal requirements may apply under Fla. Stat. § 768.28. A tow company is not automatically responsible just because its truck was involved. The evidence, the driver’s relationship with the company, and the cause of the crash all matter. Our guide to trucking company liability explains how employers may be responsible in other commercial vehicle accidents. These crashes can also happen on busy highway ramps. For a closer look at one family’s situation, read our guide to what families should know after a fatal I-75 exit ramp crash near Seffner. How Does Florida’s Move Over Law Protect Tow Truck Operators? Florida’s Move Over Law requires drivers to move out of the lane closest to a working wrecker displaying amber warning lights when safe to do so. If changing lanes is not possible, drivers must slow down. The law helps protect tow operators, emergency responders, and others working near moving traffic. Under Fla. Stat. § 316.126, the requirements include: On a road with two or more lanes traveling in your direction, move out of the lane closest to the stopped wrecker when safe to do so. If you cannot change lanes safely, reduce your speed. When the posted speed limit is 25 mph or higher, slow to 20 mph below that limit when the slow-down requirement applies. When the posted speed limit is 20 mph or less, slow to 5 mph. Since January 1, 2025, Florida’s Move Over law also protects other vehicles stopped on the roadside with flashing hazard lights, emergency flares, or visible emergency signage. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), drivers who violate the law may face fines, fees, and points on their driving records. When a driver ignores the law and hits a tow operator or stopped wrecker, the crash report, witness statements, and any traffic citation can become important evidence. A citation alone does not decide who pays, but it may help show what happened. We also explain how the Move Over law applies to roadside workers in our article about a fatal I-75 crash involving a Road Ranger. Attorney Edward Reyes explains Florida’s Move Over law and the dangers tow truck operators face on busy Florida roads. Attorney Edward Reyes explains Florida’s Move Over law after tow truck drivers were killed by an impaired driver who did not move over. 💡 Did You Know? In 2024, Florida recorded 205 crashes and issued more than 17,500 citations involving drivers who failed to move over. These figures cover Move Over violations generally, not tow truck crashes alone. Source: FLHSMV Move Over Safety Center.
Hit by an Out-of-State Truck in Florida? How Your Claim Works
What You Need to Know After an out-of-state truck accident in Florida, you can usually bring your claim in a Florida court, even if the trucking company and driver are based in another state. Florida law usually applies to crashes that happen on Florida roads. Federal rules require most interstate trucking companies to carry at least $750,000 in liability insurance. You generally have 2 years to file an injury lawsuit in Florida, and the clock does not stop because the driver lives elsewhere. Photograph the USDOT number on the truck. It identifies the company responsible for the truck. Had a bad day? Call The Reyes Firm at 833-4 BAD DAY ((833) 422-3329) SCHEDULE A FREE CASE REVIEW A semi with Georgia plates hits you on I-4. The driver hands you a Texas license. The company name on the door belongs to a business you have never heard of, in a state you have never visited. Now you are hurt, your car is wrecked, and you are wondering who you can even hold responsible. An out-of-state truck accident in Florida can feel more confusing than a crash with a local driver. You may worry that you will have to travel to another state, deal with an unfamiliar insurance company, or follow another state’s laws. This guide explains how these claims usually work for people in Tampa and across Florida. You will learn where a case can be filed, which law applies, how to identify the carrier and its insurance, and the deadlines that matter most. Can I sue an out-of-state trucking company in Florida? Yes, in most cases. Florida law lets Florida courts hear claims against out-of-state people and companies when they commit a wrongful act in Florida. If a truck caused your crash on a Florida road, the driver and trucking company can generally be sued here, even if both are based somewhere else. This rule comes from Florida’s long-arm statute, Florida Statutes § 48.193. It covers anyone who commits a “tortious act” in Florida. A tortious act is a wrongful act that causes harm, such as careless driving. Three other rules help make sure an out-of-state defendant can actually be reached: Out-of-state drivers and owners. Under Florida Statutes § 48.171, a nonresident who drives in Florida, or lets a vehicle they own or control be driven here, can be served with a lawsuit through Florida’s Secretary of State. Interstate trucking companies. Federal rules in 49 CFR Part 366 require registered motor carriers to name a “process agent” in every state where they operate. A process agent accepts court papers for the company. Carriers file this on FMCSA Form BOC-3. Their insurance companies. Under 49 CFR 387.11, a carrier’s insurer must be authorized in, or name an agent for court papers in, each state where the carrier operates. For you, this usually means you don’t need to travel to Georgia, Texas, or anywhere else to pursue your claim. A Tampa truck accident lawyer can typically handle the case here. Whether a case should be filed in state or federal court, and how it might move between them, depends on the facts and requires an attorney’s review. Attorney Edward Reyes explains what happens when a driver from another state causes a crash in Florida. The same rule applies when the at-fault vehicle is an out-of-state truck. Every case is different. Whether the at-fault driver’s insurance applies, and how much it pays, depends on that driver’s policy and the facts of the crash. Read the video transcript In the beautiful state of Florida, there’s a lot of tourists that come to our state because it’s beautiful. What happens if a tourist hits you? Well, if a tourist hits you, because the accident happened in Florida, they are availed to the laws in Florida. Now, their insurance company, wherever they may be, will still cover, but it’ll be the policy of the state that they were in, not Florida’s policy. But, because the accident happened here, they’re liable here in Florida. Which state’s law applies after a crash with an out-of-state truck? Florida law usually applies when the crash happens in Florida. Florida courts use a “most significant relationship” test to decide which state’s law controls an injury claim. Under that test, the place where the injury happened is usually the deciding factor, so a crash on I-4 or I-275 is normally decided under Florida law. The Florida Supreme Court adopted this test in Bishop v. Florida Specialty Paint Co., 389 So. 2d 999 (Fla. 1980). Courts still look at each issue separately. Where the parties live, where the trip started, and where their relationship is centered can also matter. Why this matters for you: Florida’s filing deadlines generally apply. Florida’s comparative fault rules generally decide how fault is shared. Florida’s insurance rules, including your Personal Injury Protection (PIP) coverage, still apply. If the trucking company argues another state’s law should apply to part of your case, your attorney will need to review that argument closely. How do I find out who owns the truck and who insures it? Start with the truck itself. Interstate trucks must display the carrier’s name and its USDOT number on both sides of the vehicle. That number is the company’s federal ID. You can look it up in the Federal Motor Carrier Safety Administration’s public SAFER Company Snapshot to see who the registered carrier is. The marking rule comes from 49 CFR 390.21T. The letters “USDOT” must appear before the number, and it must be readable from 50 feet away. If you are able to after the crash, photograph: Both doors of the truck cab, including the company name and USDOT number The trailer and any separate company name or number on it License plates on the tractor and trailer The driver’s commercial driver’s license (CDL) The police officer’s name and the report number Be aware that the name on the door may not tell the whole story. One business may own the truck, another may operate it,
Winter Haven School Bus Crash: What Florida Parents Should Know About Their Child’s Rights
What You Need to Know A deadly October 5 school bus crash in Winter Haven involved a bus carrying 37 students, its driver, and the driver’s young daughter. Investigators said a Chevy Malibu crossed the center line and struck the school bus before the bus collided with a Jeep and overturned. If a child is injured on a Florida school bus, more than one source of insurance or legal responsibility may need to be investigated. Claims involving a public school district can follow different rules from a normal car accident claim. After a serious bus crash, parents should seek medical care, document injuries, save school and insurance communications, and protect important evidence. Had a bad day? Call The Reyes Firm at 833-4 BAD DAY ((833) 422-3329). For a parent, putting your child on a school bus comes with an expectation: they will get to school safely. The deadly Winter Haven school bus crash on October 5, 2026, is the kind of tragedy that makes parents across Florida ask a frightening question: What would I do if my child were on that bus? If your child is ever injured in a school bus accident, the first priority is their health. But once the immediate emergency passes, there may also be medical bills, insurance calls, school communications, missed classes, and questions about who is responsible. A bus accident lawyer in Winter Haven, Tampa, or another Florida community may need to look at far more than the first crash report. What Happened in the Winter Haven School Bus Crash? The October 5 crash happened shortly after 6 a.m. on Lucerne Park Road in Winter Haven. Investigators said a westbound Chevy Malibu crossed the center line and struck the rear tire area of an eastbound school bus. The bus then entered the opposite lane, collided with a Jeep, and overturned. Incident Location Reported crash area: Lucerne Park Road (State Road 544), west of Jacaranda Avenue, near the Walmart Distribution Center in Winter Haven, Florida. The bus was transporting students to Winter Haven High School. It carried 37 students, the bus driver, and the driver’s 9-year-old daughter. A 10th-grade student and the Jeep driver were killed. Twenty-six students were taken to hospitals, according to reporting based on information from the Polk County Sheriff’s Office. Sheriff Grady Judd described the crash as one of the most horrific school bus tragedies the county had experienced in decades. The investigation was still ongoing when this article was prepared. The current account is preliminary, and investigators may learn more as they examine the vehicles, roadway evidence, video, witness statements, and other records. Nothing reported so far establishes that the school bus driver or school district caused the crash. Parents should avoid drawing conclusions before the investigation is complete. ⚠️ Warning: A Government Claim Can Have Different Rules: A claim involving a Florida public school district is not handled the same way as an ordinary claim against a private driver. Florida Statute § 768.28 includes special written-notice requirements for certain claims against government agencies and subdivisions. Some claims must be presented in writing before a lawsuit can move forward. Who Can Be Responsible When a Child Is Hurt in a Florida School Bus Crash? Responsibility can fall on a private driver, vehicle owner, school district, transportation contractor, maintenance provider, or another party whose actions contributed to the crash. A school district is not automatically at fault simply because a child was riding its bus. The evidence must show what happened and whose conduct contributed to the injuries. The Winter Haven crash shows why that distinction matters. According to the preliminary investigation, the first reported impact occurred when the Malibu crossed the center line and struck the school bus. That means investigators need to examine the actions of every driver and vehicle involved before assigning legal responsibility. In another school bus crash, the investigation could involve questions about: A driver who crossed the center line or ran a traffic signal Unsafe speed or distracted driving The actions of the school bus driver Bus inspection and maintenance Tires, brakes, steering, or other equipment A private contractor operating the school bus Another vehicle owner Dangerous road conditions or another contributing factor More than one party can sometimes share responsibility for the same crash. For families in Tampa, the same principles may apply after a school bus collision on busy roads used every day by students and commuters. The Reyes Firm helps injured people in Tampa and the South Shore communities, including families dealing with serious and complex vehicle crashes. Can Parents Make a Claim Against a Florida School District After a Bus Accident? Yes, a claim against a Florida school district may be possible when the facts and law support it. Florida Statute §1006.24 specifically addresses tort liability for incidents involving school buses and other vehicles a district school board owns, maintains, operates, or uses to transport people. The statute provides that district school boards can be liable for qualifying tort claims involving their school buses, subject to the rules in Florida Statute §768.28. It also allows school boards to maintain medical-payment plans or insurance for school buses and permits districts to require insurance when transportation vehicles are privately owned. In plain English, a serious school bus case may involve several possible sources of recovery. Those may include: The insurance covering an at-fault private driver Coverage connected to the owner of another vehicle School district liability or risk-management coverage Medical-payment coverage maintained for the school bus Coverage carried by a private transportation contractor Other insurance that applies to the facts of the crash The school district does not become responsible simply because the accident happened on a bus. A lawyer should first determine what caused the crash, identify every responsible party, and review the coverage that applies. 🛡️ Your Rights Under Florida Law: Florida Statute § 1006.24 specifically recognizes tort claims arising from incidents involving school buses owned, maintained, operated, or used by district school boards. Those claims are subject to Florida’s
Lyft Accident Settlement Amounts in Florida: What Is Your Claim Worth?
What You Need to Know No reliable average Lyft accident settlement can tell you what your individual Florida claim is worth. Your injuries, medical care, lost income, future needs, and how the crash changed your life can all affect your claim. Florida requires specific insurance coverage when a Lyft driver is carrying a passenger on a prearranged ride. A passenger claim may involve more than one driver or insurance company. Good records can help show what happened, what you lost, and how the crash continues to affect you. Had a bad day? Call The Reyes Firm at 833-4 BAD DAY ((833) 422-3329). SCHEDULE A FREE CASE REVIEW You were riding in a Lyft when another car slammed into you. Now you have medical appointments, bills, missed work, and an insurance company asking questions. One of the first things you may want to know is simple: How much is my Lyft accident settlement worth? There is no single number that answers that question. Lyft accident settlement amounts in Florida can vary widely because every injury and every crash is different. A person who needs a few weeks of treatment does not have the same losses as someone who needs surgery or can no longer do the work they did before the crash. At The Reyes Firm, we look beyond an online settlement average. We look at what this crash actually took from you and what it may continue to cost you. What Is the Average Lyft Accident Settlement in Florida? No official average Lyft accident settlement can reliably predict the value of your case. Settlement amounts depend on the severity of your injuries, medical care, lost income, long-term limitations, available insurance, and the evidence showing who caused the crash. You may see websites giving average Lyft settlement figures or broad dollar ranges. Those numbers can create the wrong expectation. Two passengers can be hurt in similar crashes and still have very different claims. For example, one passenger may have neck pain that improves after several weeks of treatment. Another may suffer a spinal injury, undergo surgery, miss months of work, and need future care. The crashes may look similar on a police report. The effect on each person’s life is not. That is why a better question is: What losses can we prove in your case? Those losses may include: Emergency care and hospital bills Follow-up treatment and rehabilitation Future medical care Lost wages Reduced ability to earn income Physical pain Emotional distress Permanent limitations Loss of normal activities Florida law recognizes economic damages, including past and future lost income, medical expenses, and other financial losses caused by an injury. What Determines How Much a Lyft Accident Claim Is Worth? The value of a Lyft accident claim usually comes down to the harm you can document and the insurance available to cover it. Serious injuries, long-term treatment, time away from work, and permanent limitations can increase a claim’s value. Missing records or disputes about the crash can make recovery harder. Here are some of the biggest factors. Factor Why It Matters Injury severity A serious or permanent injury usually creates greater losses than an injury that heals quickly. Medical treatment Hospital care, surgery, therapy, medication, and follow-up care help document the crash’s physical impact. Future medical needs Some injuries require additional surgery, therapy, medication, or assistance years later. Lost wages Time away from work may be part of your financial losses. Lost earning capacity A permanent injury can affect your ability to earn income in the future. Pain and suffering The claim may cover physical pain and how an injury changes daily life. Fault Strong evidence showing how the crash happened can affect negotiations. Insurance coverage The amount and type of insurance available can affect what you can actually recover. Case value and insurance limits are not the same thing This distinction matters. Your injuries and losses may support a claim worth more than one available insurance policy can pay. For example, a person with a permanent spinal injury may have major future medical expenses and lost earning capacity. Those losses don’t automatically shrink because an insurance policy has a limit. That is one reason a serious Lyft accident needs a full insurance investigation. A lawyer may need to identify every possible source of coverage before evaluating what may actually be recoverable. If you want to understand how non-economic losses are evaluated, read our guide to pain and suffering after an accident. 🛡️ Your Rights: Florida follows a modified comparative fault rule under Fla. Stat. § 768.81. In negligence cases, fault can affect the amount a person is allowed to recover. A Lyft passenger is often not the person who caused the collision, but insurers may still dispute how responsibility should be divided between the drivers involved. Which Insurance May Pay a Lyft Passenger Settlement? A Lyft passenger claim can involve more insurance than a normal two-car accident. Florida law requires transportation network company drivers, or the company acting on their behalf, to carry specific coverage while drivers use the app and complete prearranged rides. Florida law defines a prearranged ride as beginning when the driver accepts a rider’s request through the app and ending when the last rider leaves the vehicle. During a prearranged ride, Florida requires at least $1 million in primary automobile liability coverage for death, bodily injury, and property damage. The law also requires applicable PIP and uninsured or underinsured motorist coverage. Why a Lyft Driver’s App Status Can Affect Available Insurance In this short video, Edward Reyes, Esq. explains why the amount of insurance coverage available after an Uber or Lyft crash can depend on what the driver was doing in the app at the time of the accident. Video: Edward Reyes, Esq. of The Reyes Firm explains how rideshare driver status can affect insurance coverage after an Uber or Lyft accident in Florida. Lyft also states that, in most markets, it maintains at least $1 million in third-party auto liability coverage while a driver