If you were a passenger, personal injury protection (PIP) pays your first medical bills and lost wages, up to $10,000. Beyond that, it depends on who caused the crash. If your Uber or Lyft driver was at fault, the rideshare bodily injury liability policy applies, and Florida requires it to be at least $1 million from the moment your driver accepts the ride until you get out. If another driver was at fault, you recover from that driver’s bodily injury coverage.
How much rideshare coverage is available depends on what the driver’s app was doing at the moment of the crash. Reflects Florida law as of October 2026.
PIP pays first, the same as in any Florida car accident. Rideshare crashes follow Florida’s no-fault rules.
Under § 627.736, Florida Statutes, personal injury protection covers 80% of medical bills and 60% of lost wages, up to $10,000 in total, no matter who caused the crash. If you own a car, that is usually your own PIP. If you don’t, the PIP that Florida requires on rideshare coverage can apply.
PIP has a treatment deadline, not a filing deadline: get initial medical care within 14 days of the crash or PIP won’t pay. For more on how PIP works, see Is Florida a no-fault state?
§§ 627.736 and 627.748(7), Florida Statutes.
It depends on the driver’s app status. Florida law sets three levels, and the same minimums apply to Uber, Lyft and every other rideshare company in the state.
| Driver’s app status | Minimum liability coverage | Also required |
|---|---|---|
| Off (not working) | Driver’s personal auto policy only. Rideshare coverage does not apply. | Whatever the personal policy carries |
| On, waiting for a request | $50,000 per person and $100,000 per crash for bodily injury, $25,000 property damage | PIP |
| Ride accepted, through drop-off | $1 million for death, bodily injury and property damage | PIP |
The $1 million level starts when the driver accepts the ride, so it covers the drive to the pickup as well as the trip itself. The coverage can come from the driver’s policy, the company’s policy, or both, but it must be primary while the driver is logged on or on a ride.
A 2026 bill, Senate Bill 632, would have lowered the minimum to $50,000 and $100,000 for the stretch between accepting a ride and picking up the passenger. It died in the Senate Transportation Committee on March 13, 2026, so the $1 million level still applies from the moment a ride is accepted.
§ 627.748(7), Florida Statutes; Florida Senate Bill 632 (2026), died in Transportation, March 13, 2026.
If your driver caused the crash, the $1 million rideshare liability coverage is the main source beyond PIP.
As a passenger on an accepted ride, you were inside the highest coverage level Florida requires. You did nothing to cause the wreck, so the question is who did: your driver, another driver, or both.
If another driver caused it, your claim is against that driver’s bodily injury liability coverage. In general, rideshare policies do not provide uninsured motorist coverage, so when your Uber or Lyft driver isn’t at fault, the at-fault driver’s bodily injury coverage is the source to recover from beyond PIP. Florida does not require most drivers to carry bodily injury liability insurance, so that policy may be small or may not exist.
§ 627.748(7), Florida Statutes.
The same three levels apply. What the driver’s app was doing at the moment of the crash decides which coverage is available to you.
If you were in another car, on a bike or on foot, the driver’s app status still controls. A driver heading to a pickup carries the $1 million level. A driver waiting for a request carries the lower $50,000 and $100,000 level. A driver with the app off has only a personal policy, which may be far less.
With the rideshare company’s trip records. They log when the driver went online, accepted the ride, picked you up and dropped you off.
Those records belong to the company, and they decide which coverage level applies, so they need to be requested and preserved early. On your side, screenshot your trip receipt and the driver’s name and plate in the app, photograph the scene and the vehicles, and get the other driver’s insurance information.
Two years for most Florida negligence claims arising after March 24, 2023.
Other deadlines can apply depending on who was involved, so do not assume you know yours. If you think you may be close to one, contact our office now rather than later.
§ 95.11, Florida Statutes.
No. $1 million is the minimum limit of liability coverage while a ride is in progress, not an amount owed to every rider. What a claim is worth depends on the injuries, the losses and who was at fault. The limit matters because coverage is less likely to run out in a serious crash.
Florida does not require most drivers to carry bodily injury coverage, so this happens often. In general, Uber and Lyft policies do not provide uninsured motorist coverage, so when another driver caused the crash, recovery beyond PIP comes from that driver’s bodily injury coverage. If that driver has little or none, call our office to talk through your situation.
Talk to our office about which coverage applied to your crash, or read more on our Orlando Uber and Lyft accident lawyer page.
This page is general information about Florida law, not legal advice. Reading it does not create an attorney-client relationship. Every case turns on its own facts, and the law changes. It reflects Florida law as of October 2026.