Does Uber Have Insurance? Uber has insurance to cover Uber riders and those in other vehicles if an accident occurs. Florida's mandatory no-fault insurance requirements impact the exact steps you need to take after an Uber accident. Below we provide a broad overview of Florida's insurance requirements for Uber drivers, insurance coverage provided by Uber, and what you should do after suffering injuries in an Uber accident.
All drivers who register a motor vehicle in Florida must register for a personal car insurance; 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. Since 2018, Uber drivers and drivers for other rideshare companies must carry additional insurance. 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:
Uber drivers (Rideshare driver) transporting riders must have a minimum of $1,000,000 of 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.
Here is an overview of the insurance coverage that Uber provides their drivers while they are logged on to the Uber app.
When the Uber app shows a driver is available, or they are waiting for a ride request, Uber provides the following coverage if an accident occurs:
Drivers with Riders
If the Uber app shows a driver is on his way to pick up riders or have passengers in their car, Uber complies with Florida law and applies more coverage for their drivers. On a side note, Uber provides this coverage nationwide. If you are a Florida resident who got in an Uber accident in another state while traveling for business or pleasure, the same coverage applies. It includes:
If you were recently in an accident with an Uber driver, you likely reported the accident to the police and received emergency medical treatment for your injuries. If you have not done this, you need to let a doctor check you out and report the accident to the local police or Florida Highway Patrol as soon as possible.
The following steps will set the claims process in motion and give you the best opportunity to recover losses related to the Uber accident and your injuries:
Contact us today to discuss your Uber accident case.
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