Who is responsible if an Uber or Lyft driver causes an accident while en route to pick up a passenger?

The rideshare company's commercial insurance policy provides primary coverage once a driver accepts a ride dispatch. Under Fla. Stat. § 627.748(7)(c), commonly known as Period 2, transportation network companies must provide at least $1,000,000 in primary commercial liability coverage for bodily injury, death, and property damage from the moment a trip match is accepted until the rider exits. Personal automobile insurers generally exclude coverage during commercial transit, making the corporate policy the primary source of financial recovery for injured motorists, pedestrians, or cyclists. Jeffrey S. Altman examines dispatch timestamps to confirm full policy coverage.