How does insurance coverage work if I am injured in an Uber or Lyft accident in Florida?

Insurance coverage in a Florida rideshare collision depends on the driver's active digital status under Florida Statute § 627.748. If the rideshare driver has accepted a ride request or is actively transporting a passenger, the transportation network company provides up to $1,000,000 in primary commercial liability and uninsured motorist coverage. If the driver is logged into the app awaiting a request, lower statutory limits of $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage apply. If the app is off, only the driver's personal policy applies. Jeffrey S. Altman and The Altman Law Firm investigate electronic app records to identify all available policies.