There are a lot of parties involved in a Florida ridesharing accident. If the Uber driver is at fault, you can try to sue them, but it’s unlikely you’ll collect from their personal insurance. Even though Uber and Lyft require their drivers to have personal insurance, the driver’s personal insurance won’t cover accidents that happen when the driver is logged into the rideshare app for transport, that is, on the way to pick up a passenger or transporting them.