Are you sure your own insurance will protect you after an Uber or Lyft crash in Florida? Many people make costly mistakes by assuming coverage is automatic. Florida Statutes § 627.748 sets strict rules for rideshare insurance, and the details matter.
When a rideshare driver is waiting for a ride request, Florida law requires only limited liability coverage—often as low as $50,000 per person. But once a passenger is in the vehicle, Uber and Lyft must provide up to $1 million in liability coverage. If the driver’s app is off, their personal auto insurance applies, not the rideshare policy. These distinctions are critical: missing the right coverage window can mean denied claims or out-of-pocket expenses.
Timing is everything. Florida’s statute of limitations for personal injury claims is two years from the date of the crash. Evidence—like app logs, witness statements, and insurance records—can disappear fast. If you’re involved in a rideshare accident, document everything and consult a Florida personal injury attorney immediately. Don’t let insurance companies shift blame or delay your recovery.
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Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
