Uber drivers have additional insurance requirements in Florida. All drivers who register a motor vehicle in Florida must register for personal car insurance with a minimum of $10,000 in property damage liability (PDL) and personal injury protection (PIP) coverage to comply with Florida’s no-fault insurance laws.
The amount of coverage an Uber driver must carry depends on whether they are logged on to the Uber App and whether they have riders in their vehicle.
Under Florida law, Uber drivers who are logged onto their app and waiting for a customer or on their way to pick up a rider must carry the following coverage over and above the state minimum for PIP coverage:
- $50,000 bodily injury liability (BIL) coverage per person
- $100,000 bodily injury liability (BIL) coverage per accident
- $25,000 minimum property damage liability (PDL) coverage per accident
Uber drivers (rideshare drivers) transporting riders must have a minimum of $1,000,000 in coverage for bodily injury and property damage to comply with Florida’s laws. Drivers have the option to purchase their own commercial auto insurance policies, but most do not. Uber provides insurance coverage for all drivers when waiting for or transporting a rider in their vehicle.
What Types of Insurance Coverage Are Available in a Florida Uber Accident?
Different types of insurance coverage are available in a Florida Uber accident. They include a personal auto insurance policy, property damage coverage, bodily injury coverage, personal injury protection (PIP) coverage, and uninsured or underinsured motorist (UM/UIM) coverage.
Learn more on Uber driver requirements in Florida >
What Happens If You Are In A Car Accident While Driving for DoorDash?
DoorDash requires drivers to possess their state’s minimum required insurance. DoorDash does provide supplemental liability coverage for drivers on an active delivery, but it only applies if a driver’s own coverage is declined after an accident.
Does Personal Car Insurance Cover Food Delivery Drivers?
Most personal auto insurance policies don’t cover delivery drivers without coverage add-ons. That’s why drivers should reach out to their local insurance agent to know their best options.
Depending on your policy, insurer, and how regularly you drive, the cost of rideshare insurance can vary from an additional $30 per month to an additional $300 per month.
Requirements for Door Dash/Food Delivery Driving >
Consequences Of Non-Disclosure To Your Car Insurance Carrier
You didn’t disclose that you were driving for Uber, Door Dash, etc. to your insurance company and you get in an accident. This means that not only can your insurance deny your claim, they can also cancel your policy entirely. This puts you in a Catch-22, though. If you don’t file with your own insurance, Uber or Lyft’s policy won’t kick in. If you’re injured, it can be hard to know how your medical bills are going to get paid.
WATCH OUR YOUTUBE VIDEO ON THIS TOPIC >
What Should You Do If You Are In A Florida Car Accident?
1. Call the police and file a report.
2. Swap information (including any insurance information they may have).
3. Gather details.
4. Take pictures/video
5. Gather the contact information of any witnesses.
6. Seek medical care immediately for any injuries, no matter how minor you think they might be.
GET MORE HELPFUL INFORMATION ON WHAT TO DO AFTER AN ACCIDENT HERE AT OUR “CAR WRECK CHECKLIST” >
While there are many personal injury lawyers, not all of them have equal training and qualifications. Lawyers are usually prohibited by the Florida Bar from calling themselves “experts” in a particular field. However, the Bar does allow some lawyers who have extensive experience and peer recognition in personal injury to take a test to become Board Certified Civil Trial Specialists. Although only 1% of Florida lawyers are board-certified in a civil trial, two out of the three lawyers at Zarzaur Law hold this certification.
Since all personal injury lawyers have the same “no cost no fee unless you win” payout structure, there is no reason not to hire someone who is not a specialist.
Joe Zarzaur is a Board Certified Civil Trial Attorney whose firm has been dedicated to promoting community safety since 2007. ZARZAUR LAW’S AREAS OF PRACTICE: Serious Personal Injury, Product Defect, Auto Accidents, Cycling Accidents, Motor Vehicle Accidents, Products Liability, Wrongful Death, Community Safety, Boat and Jet Ski Accidents, Slip and Fall Injuries, and more. Licensed in Alabama and Florida.
If you’ve been injured in a car accident, it’s important that you don’t make any rash decisions. Put yourself in the best possible position to receive the justice you deserve. It is also important to consult a Board-Certified Trial Lawyer with the knowledge and experience to help you. We know accidents can be stressful, and we want to make the process as easy as possible for you.
Call Zarzaur Law, P.A. today at (855) Hire-Joe for a free legal consultation or visit www.zarzaurlaw.com.