Accident types
Uber and Lyft Rideshare Accidents in Florida
Rideshare crashes involve more parties than an ordinary collision: the driver, the driver’s personal insurer, the company’s insurer and sometimes another driver. Florida has a specific law setting out what insurance must be in place, and it depends on what the rideshare driver was doing at the time.
By Swift Accident Help Editorial Team · Last reviewed · General information, not legal advice
Key takeaways
- Florida law sets minimum insurance for rideshare (“transportation network company”) drivers, and the amount depends on whether they were logged in, or carrying a passenger.
- During a prearranged ride, the required coverage is at least $1 million for death, bodily injury and property damage.
- Rideshare drivers must give their insurance information to the others involved in a crash.
- Screenshot the trip in the app — it records the time, route and driver.
How rideshare insurance works in Florida
Florida law calls Uber, Lyft and similar services “transportation network companies” (TNCs) and sets the insurance a TNC driver must carry, either personally, through the company, or both:
- Logged in to the app but not on a ride: at least $50,000 for death and bodily injury per person, $100,000 per incident, and $25,000 for property damage.
- On a prearranged ride — from accepting the request until the passenger gets out: at least $1 million for death, bodily injury and property damage.
- Not logged in: the app’s coverage requirements do not apply, and the driver’s own personal policy is the starting point.
The law also requires the TNC driver to disclose their insurance information to the other parties involved in a crash.
What to collect after a rideshare crash
- A screenshot of the trip in the app, including the driver’s name, vehicle and the time.
- The rideshare driver’s insurance details, and the other driver’s, if another vehicle was involved.
- Photos of the vehicles, the scene and any injuries.
- Witness names and phone numbers — including other passengers.
- The police report number.
You can usually also report the crash in the Uber or Lyft app. Keep a copy of anything you submit.
Your own PIP still matters
If you own a car in Florida, your own personal injury protection is generally where your medical bills start, even as a passenger in someone else’s vehicle. PIP generally requires initial medical care within 14 days of the crash — see the PIP 14-day rule.
How Swift Attorney can help
Swift Attorney is a free accident help and referral service, not a law firm. If you were hurt in an Uber or Lyft crash in Florida, you can call, text or use the short form at any hour. The team listens to what happened, helps you understand a sensible next step and, where appropriate, may connect you with a participating accident attorney or medical provider.
Contacting Swift Attorney does not create an attorney-client relationship, and nobody here gives legal advice. Any legal representation would be a separate agreement between you and a participating attorney. How it works explains the process step by step.
Frequently asked questions
I was a passenger in an Uber. Whose insurance applies?
Florida requires at least $1 million in coverage while a TNC driver is on a prearranged ride, and your own PIP may also apply to your medical bills. Exactly how the policies interact depends on the facts, which is where a participating attorney can help.
The rideshare driver hit me while I was driving my own car. What should I do?
Treat it like any crash: call 911 if anyone is hurt, report it, exchange information and ask the rideshare driver for their insurance information, which they are required to give you. Note whether they seemed to be logged in or carrying a passenger.
Does it matter whether the driver had a passenger?
Yes. Florida’s minimum coverage for a TNC driver is higher during a prearranged ride than when they are only logged in and waiting for a request.
Sources
Official sources this page relies on. Laws and procedures change — check the source for the current version.
- Florida Statutes § 627.748 — Transportation network companies — The Florida Legislature (Online Sunshine)
- Florida Statutes § 627.736 — Required personal injury protection benefits — The Florida Legislature (Online Sunshine)
- Florida Statutes § 316.062 — Duty to give information and render aid — The Florida Legislature (Online Sunshine)
- Florida Statutes § 316.065 — Crashes; reports; penalties — The Florida Legislature (Online Sunshine)
Related help
- What to do after a car accident in FloridaA step-by-step checklist for the scene, the next few days and the weeks after.Read more
- When the insurance company callsRecorded statements, what to share and how to keep a record.Read more
- Florida’s PIP 14-day ruleWhy getting initial care within 14 days matters for your PIP benefits.Read more
- Pedestrian accidentsStruck by a vehicle while walking or standing.Read more
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Swift Attorney is a referral service, not a law firm, and does not give legal advice. Contacting Swift Attorney does not create an attorney-client relationship. Swift Attorney is not an emergency service. If you are in immediate danger or require emergency assistance, call 911.
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