Uber and Lyft accidents in Florida: whose insurance may apply

App status changes the policy

When the app is off, the driver’s personal auto policy is usually first in line. When the driver is logged on and waiting, Florida’s transportation-network rules require elevated liability limits. When a trip is accepted or a passenger is in the car, company coverage typically rises further — often discussed as at least $1 million in liability for the on-trip period.

Write whether you were the passenger or another driver, and whether a trip was active. Keep screenshots of the trip if you still have them.

PIP still matters for many passengers

If you have an auto policy, your own PIP may still pay initial medical bills, and the 14-day qualifying-care rule still runs. The rideshare company’s status does not freeze that clock.

Free referral

Corporate claims teams handle these crashes every day. CrashAid refers Uber and Lyft accident victims to participating Florida attorneys at no cost for the referral. Call (941) 770-2727.