Your first step toward recouping losses after an Uber accident is to file a claim under your own mandatory personal injury protection (PIP) coverage. Florida requires motorists to carry a minimum of $10,000 in PIP coverage when they register their motor vehicles. If your Uber accident was minor, your PIP policy may adequately cover your losses.
If your accident resulted in severe or catastrophic injuries, however, you will quickly exceed your PIP policy limits, especially if you only have the minimum coverage.
In either case, your PIP policy only covers 80 percent of medical expenses and 60 percent of lost wages, and it does not compensate you for non-economic losses, such as pain and suffering or loss of consortium with a spouse. Recouping any economic or non-economic losses beyond your PIP coverage requires filing a claim with the Uber driver’s insurance carrier or with Uber directly.