Pensacola Uber and Lyft Accident Lawyer
Quick Answer
Rideshare coverage in Florida depends on the driver's app status. Offline, only personal auto coverage applies. Waiting for a request triggers contingent limits of $50,000 per person and $100,000 per crash. En route to a passenger or during a trip, a $1 million liability policy applies.
Key Takeaways
- App status at the moment of impact determines available coverage.
- Passengers are covered by the $1 million policy during an active trip.
- Screenshot your trip receipt and driver details immediately.
The Three Coverage Periods
Period 0 is offline, with only the driver's personal policy. Period 1 is app on and waiting, with contingent liability limits. Periods 2 and 3 — matched and en route, then carrying a passenger — trigger the transportation network company's $1 million liability coverage and, in many cases, uninsured motorist coverage.
Documenting Your Trip
Save the trip receipt, driver name and vehicle, timestamps, and the in-app route map before the record scrolls out of easy reach. That data resolves later disputes about which coverage period applied.
Who You May Have a Claim Against
The rideshare driver, another motorist, or both. Rideshare companies classify drivers as independent contractors and defend vigorously against direct liability, which makes the insurance coverage analysis the practical center of the claim.