Florida Rideshare
Accident Guide
Accidents involving Uber, Lyft, and other rideshare vehicles involve complex insurance coverage questions. Understanding how rideshare insurance works is critical to protecting your rights.
Florida PIP 14-Day Rule: Seek medical care within 14 days to preserve up to $10,000 in PIP benefits. Call 407-486-6147 for a free referral.
Rideshare Insurance Coverage Phases
Rideshare insurance coverage depends on the driver's status at the time of the accident. Phase 1: App off — driver's personal insurance applies. Phase 2: App on, waiting for a ride — limited rideshare coverage applies. Phase 3: Passenger in vehicle — full $1 million liability coverage applies.
If You Are a Passenger
As a rideshare passenger, you are covered by the rideshare company's $1 million liability policy when the driver is transporting you. Seek medical care within 14 days to preserve your Florida PIP benefits.
If You Are in Another Vehicle
If a rideshare driver hits your vehicle, the applicable coverage depends on the driver's phase. If the driver had a passenger, the rideshare company's $1 million policy applies. Your own PIP covers your medical expenses regardless.
Document the Rideshare Connection
Screenshot the rideshare app showing the trip details, driver information, and route. This documentation is critical for establishing which insurance policy applies.
Report to Both the Rideshare Company and Police
Report the accident through the rideshare app and call 911. Both reports create official records. The rideshare company has an incident reporting process that must be followed.
Seek Medical Care Within 14 Days
Your Florida PIP insurance covers your medical expenses regardless of fault. You must seek care within 14 days to preserve your benefits. Call PIP Pain Injury at 407-486-6147 for a free referral.
Need a Doctor After Your Accident?
Free 24/7 referral to PIP-accepting doctors throughout Florida.