What happens if an Uber or Lyft driver hits my vehicle while logged into the app without a passenger?

When a rideshare driver is logged into the application and waiting for a ride request, Florida Statute § 627.748 mandates specific contingent liability coverage. In this phase, the rideshare company must provide minimum liability limits of $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage. This commercial coverage applies if the driver's personal automobile insurer denies coverage under a commercial-use exclusion. The Altman Law Firm works to secure the electronic app logs necessary to establish the driver's exact operational status at the time of the collision.