What Types of Insurance Are Uber and Lyft Drivers Required To Have in Florida?
May 29, 2025 | Sagi Shaked | Car Accidents
If you were involved in an accident with an Uber or Lyft driver in Florida, you might wonder what kind of insurance applies. Although Florida has a “no-fault” car insurance system, you may still be able to file a claim against one of the rideshare company’s policies, depending on the facts of the case.
Here’s what you need to know about the types of insurance Uber and Lyft drivers must have in Florida.
Florida’s Rideshare Insurance Requirements
In Florida, rideshare companies like Uber and Lyft are classified as Transportation Network Companies (TNCs). These companies must provide specific types and amounts of insurance coverage to protect passengers, drivers, and others on the road.
The required insurance coverage depends on what phase the driver is in at the time of the crash.
When the Driver Is Logged Into the App but Hasn’t Accepted a Ride
As soon as a rideshare driver logs into the app and is available to accept ride requests, Florida law requires them (or the TNC) to carry:
- $50,000 for bodily injury or death per person
- $100,000 total per accident for bodily injury or death
- $25,000 for property damage per accident
This coverage must be maintained by either the driver’s personal insurance policy, a commercial policy, or a policy maintained by Uber or Lyft on the driver’s behalf.
When the Driver Is On the Way to Pick Up a Passenger or Has a Passenger in the Car
Once the driver accepts a ride or has a passenger onboard, Uber and Lyft must provide at least $1 million in liability coverage.
This includes:
- Third-party liability coverage
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision coverage (if the driver has their own comprehensive coverage)
This $1 million policy is designed to protect not only passengers but also pedestrians, cyclists, and others hurt in the event of a crash caused by the rideshare driver.
When the Driver Is Not Logged Into the App
If the driver isn’t logged into the Uber or Lyft app, then any accident they’re involved in is covered only by their personal auto insurance policy.
In this phase, Florida’s standard minimum car insurance requirements apply, which include:
- $10,000 in Personal Injury Protection (PIP)
- $10,000 in Property Damage Liability (PDL)
However, these minimums don’t apply once the app is on, even if no ride has been accepted yet.
The Impact of Rideshare Insurance on Your Personal Injury Claim
Understanding these insurance rules can make a big difference in how you pursue compensation after a rideshare accident. If the rideshare driver was not actively working, you may have to rely on their personal policy. If they were on duty or carrying a passenger, the $1 million policy could apply, offering significantly more coverage.
In complex cases, it can be difficult to determine which phase the driver was in at the time of the accident. A personal injury lawyer can help by investigating the timeline and securing the appropriate policy documents, as well as other helpful evidence.
Contact the Miami car accident lawyers at Shaked Law Personal Injury Lawyers for Help With a Rideshare Injury Claim
Getting injured in an Uber or Lyft crash can raise more legal questions than a typical car accident. You may not know which insurance policy applies or how much you can recover. A personal injury lawyer can investigate your case, gather the right evidence, and deal with the insurance companies on your behalf.
Most Florida injury attorneys offer free consultations and work on a contingency fee basis. That means you won’t pay unless they win compensation for your case. Contact a lawyer today to get started.
If you’ve been injured in an accident in Miami, FL and need legal help, contact our Miami car accident lawyers at Shaked Law Personal Injury Lawyers to schedule a free consultation.
Shaked Law Personal Injury Lawyers
20900 NE 30th Ave Suite 715
Aventura, FL 33180
(305) 937-0191
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