Whose insurance pays if an Uber or Lyft driver hits your vehicle while logged into the app without a passenger?

Under Florida Statute § 627.748, insurance coverage depends strictly on the driver's digital network status at the moment of impact: 1. App off: The driver's personal auto insurer is primary, though claims are frequently contested if commercial use is suspected. 2. App on, awaiting a ride match: The rideshare company must provide contingent coverage of at least $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. 3. Ride accepted: The company's $1,000,000 commercial liability policy activates immediately. At The Altman Law Firm, Jeffrey S. Altman subpoenas digital app logs to identify the applicable policy tier.