What if I was hit by an Uber or Lyft driver?
Florida law establishes coverage requirements for transportation network companies that vary by the driver's status.
App off. The driver is on personal business. Only their personal auto policy applies — and many personal policies exclude rideshare use.
App on, no ride accepted. A lower tier of coverage applies.
En route to a passenger, or carrying one. A substantially higher tier applies — commonly described as $1 million in liability coverage.
Why the status is the whole question. The difference between the tiers is enormous, and it turns on the state of an app at a moment in time.
How it's established. The company's records. Preserving that data early matters, and the driver's own account of their status is not something to accept without verification.
Also relevant: whether the driver's personal policy has a rideshare exclusion or endorsement, and whether the platform's coverage is primary or excess.
If you were a passenger, the highest tier generally applies.
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