When you use a rideshare app like Uber or Lyft, you expect the driver—and the company—to have adequate insurance. But what happens if you’re injured in a Florida accident caused by a driver who turns out to be uninsured or underinsured? Unfortunately, this situation is more common than most passengers realize. Understanding how rideshare insurance works under Florida law can help protect your rights and your recovery.
Florida’s Rideshare Insurance Rules
Florida law requires rideshare companies to maintain substantial insurance coverage for drivers while they’re using the app. The coverage depends on the driver’s “status” at the time of the accident:
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App Off (Personal Use): If the driver isn’t logged into the Uber or Lyft app, their personal auto insurance applies—not the rideshare company’s policy. If they don’t have valid insurance, they’re treated as an uninsured driver.
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App On, Waiting for a Ride Request: Uber and Lyft must provide minimum coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage.
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Ride Accepted or Passenger in Vehicle: Once a trip is accepted or underway, the rideshare company’s $1 million liability coverage kicks in. This coverage generally protects injured passengers and third parties.
However, gaps can arise—especially if the driver is logged off, using a fake or expired insurance policy, or violating company terms.
What If the Rideshare Driver Is Uninsured or Underinsured?
If you’re injured by an uninsured rideshare driver, several coverage options may apply:
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Uber/Lyft Contingent Coverage: If the driver was online or transporting you, the company’s policy typically covers your medical expenses and damages.
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Your Own Uninsured/Underinsured Motorist (UM/UIM) Coverage: If the rideshare company denies coverage or limits apply, your personal UM policy may step in to cover your losses.
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Personal Injury Protection (PIP): Florida’s no-fault law allows you to recover up to $10,000 in medical and lost-wage benefits through your own PIP coverage, regardless of who was at fault.
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Third-Party Liability: In some cases, another negligent driver, a defective vehicle component, or the rideshare company itself may share responsibility.
Can You Sue Uber or Lyft Directly?
Suing Uber or Lyft directly is difficult but not impossible. These companies classify their drivers as independent contractors, which limits their liability. However, if the company was negligent in screening, monitoring, or retaining the driver—or if the app malfunctioned and contributed to the accident—a personal injury attorney may pursue a claim against the rideshare company itself.
Steps to Take After a Rideshare Accident in Florida
If you’re hurt in an Uber or Lyft crash involving an uninsured driver:
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Report the crash to law enforcement and the rideshare company immediately.
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Seek medical attention right away—even for minor injuries.
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Gather evidence, including screenshots of your trip, driver info, and witness statements.
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Notify your insurance company and discuss possible UM/UIM claims.
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Contact a Florida personal injury lawyer experienced in rideshare accident claims.
Protecting Your Rights After a Rideshare Crash
Rideshare insurance claims can be complex, especially when an uninsured driver is involved. An experienced Florida personal injury attorney can investigate the coverage layers, handle negotiations with multiple insurers, and help you recover fair compensation for your injuries, medical bills, and lost wages.
Need Legal Help?
If you’ve been injured by an uninsured Uber or Lyft driver in Florida, don’t face the insurance maze alone. Contact an experienced Florida personal injury attorney to discuss your options and protect your right to recovery.
Contact Florida Personal Injury Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Miami Attorney Gonzalez-Sirgo directly at jp@yourattorneys.com or by text at (305) 929-8935.
