South Florida Personal Injury Lawyers Blog
Last updated July 24, 2026 · Reviewed by Ronald David Rodman, a Florida personal injury attorney and Partner at Friedman Rodman Frank & Estrada, P.A.
Coverage after a rideshare collision in Florida turns on what the driver’s app was doing at the moment of impact. Florida Statute § 627.748 sets two separate sets of minimum liability limits for transportation network company drivers, and the distance between them is wide enough to decide what an injury claim is worth.
A driver who is logged on to the app but has not accepted a ride must carry at least $50,000 for bodily injury per person, $100,000 per incident, and $25,000 in property damage, under Florida Statute § 627.748(7)(b). Once that same driver has accepted a trip and is engaged in a prearranged ride, the required coverage rises to at least $1 million under § 627.748(7)(c). Same driver, same intersection, twentyfold difference in what is available per injured person. Our rideshare accident attorneys start every one of these claims by establishing which of the two applied.
The Two Coverage Tiers Under Florida Law
Rideshare insurance coverage in Florida is tiered by app status, which means the limits available to an injured person depend on what the driver had done in the app before the crash rather than on how badly anyone was hurt.
The statute also allows the required coverage to be satisfied by the driver’s own policy, by the company’s policy, or by a combination of the two, under Florida Statute § 627.748(7)(b)2. and (7)(c)2. In practice this is why an injured person can receive conflicting answers from two insurers in the same week. Both may be correct about their own policy and wrong about the claim as a whole.
Personal injury protection is required in both app states, and so is uninsured and underinsured motorist coverage. The PIP layer works the way it does after any Florida crash, including the requirement that initial care be received within 14 days under Florida Statute § 627.736(1)(a).
App Status Is the Fact Worth Preserving Early
Nobody thinks to document a stranger’s phone screen after a collision. That is the problem, because app status is a fact held entirely by the driver and the company, and it is not visible in the crash report.
What does tend to survive is the passenger’s own trip record, the timestamps on the ride receipt, the driver’s statement at the scene, and the account of anyone who watched the pickup happen. If you were a passenger, your ride history is evidence and it belongs in a safe place before anything else. If you were in the other vehicle, the trip record is not yours to pull, which is a reason to involve counsel early rather than after an adjuster has framed the timeline.
The crash report matters here for the same reason. A report that records the vehicle as an ordinary private car, with nothing noted about a trip in progress, becomes the document every adjuster then works from. Correcting that record afterward is harder than establishing it at the scene, which is why what a passenger says in the first hour carries more weight in these claims than in a routine collision.
Friedman Rodman Frank & Estrada has handled rideshare injury claims across Miami-Dade and Broward Counties, and the app-status question is the one that most often separates a $50,000 policy from a $1 million one.
Where the Rideshare Company’s Coverage Is Not the Whole Answer
A crash involving a rideshare vehicle is still an ordinary negligence claim underneath the insurance question. Fault is apportioned under Florida Statute § 768.81, and a person found more than 50 percent at fault for their own harm recovers nothing.
There may also be defendants the app never touches, including another motorist who caused the collision, a commercial vehicle operator, or a property owner whose road or lot conditions contributed. Our Uber accident lawyers look at all of them rather than stopping at the first policy that answers the phone.
Talk With Our Miami Rideshare Accident Lawyers
Friedman Rodman Frank & Estrada, P.A. has represented injured passengers, drivers, and pedestrians throughout Miami-Dade, Broward, Collier, Lee, and Palm Beach Counties since 1976. We work on contingency, so you pay nothing unless we recover for you, and the consultation is free. Call (305) 448-8585 or contact our Miami office and we will work out which coverage applies to your crash.