Free Interactive Tool
Uber & Lyft Insurance Period Finder
The same Uber or Lyft crash can be covered by a $50,000 policy or a $1,000,000 policy, and the only thing that decides it is what the driver's app was doing at that moment. Answer two questions to see which period applied to you, the limits, and how to prove it. Free, instant, and nothing about you is collected or stored.
Step 1
Who were you in the crash?
Florida Rideshare Insurance Questions
What are the three Uber and Lyft insurance periods in Florida?+
FL § 627.748(7) ties coverage to the driver's app. Period 1 is app on, waiting for a request: the rideshare company's policy must carry $50,000 per person and $100,000 per crash for bodily injury, plus $25,000 property damage. Period 2 begins when a ride is accepted and the driver is heading to the pickup, and Period 3 is while the passenger is in the car: both require $1,000,000 for death, bodily injury, and property damage. App off means the rideshare policy does not apply at all.
Does Uber's insurance cover me if I was a passenger?+
Yes. A passenger is by definition in Period 3, so the $1,000,000 primary policy applies to your injuries regardless of whether your driver or another driver caused the crash. Your own PIP still pays the first $10,000 of medical bills if you own an insured car or live with a relative who does; if you do not, the rideshare policy's PIP applies. Screenshot your trip receipt — it is the proof of the period.
What if I was hit by an Uber driver whose app was off?+
Then the rideshare policy does not reach the crash and the driver's personal auto policy is the liability coverage. Florida does not require personal policies to carry bodily-injury liability at all, so your own uninsured/underinsured motorist coverage may be the most important policy in the case. Confirm the app was actually off — a driver "between rides" is in Period 1, which carries $50,000/$100,000.
How do I find out what the driver's app was doing?+
Uber and Lyft record app status, ride acceptance, and GPS continuously. Those records are obtained with a preservation letter followed by a records request or subpoena to the company — not by asking the driver, whose memory and incentives both run the wrong way. The responding officer's crash report often notes rideshare status in the narrative as well.
Does the $1,000,000 policy cover the Uber driver's own injuries?+
Not directly. The $1,000,000 is liability coverage — it pays people the driver injures. A driver's own injuries are paid through PIP first, then through the uninsured/underinsured motorist coverage on the rideshare policy if another at-fault driver was uninsured or underinsured. The UM limit on that policy, not the liability limit, is what matters for the driver.
Is the policy limit the same as what my case is worth?+
No. The limit is the most the policy will pay; the value of a claim depends on medical bills, lost income, and the injury itself. Florida's 14-day PIP treatment rule and the two-year statute of limitations under § 95.11 apply to rideshare crashes exactly as they do to any other car accident.
Related: Orlando Uber accident lawyer · Orlando Lyft accident lawyer · Uber insurance periods explained · Passenger rights after an Uber accident
Disclaimer
Not legal advice. This tool is provided for general informational and educational purposes only and does not constitute legal advice. It cannot account for every fact, exception, or nuance that may affect your specific situation. Using this tool, or submitting information through it, does not create an attorney-client relationship with HOV Law.
Estimates only — not a guarantee. Any figures, dates, or outcomes this tool generates are estimates based on the general rules of Florida law and the information you enter. They are not a valuation, settlement offer, guarantee of coverage, or prediction of how an insurer, court, or jury will resolve your case. Actual results depend on facts, evidence, and legal arguments this tool cannot evaluate.
Laws change. Statutes, deadlines, and dollar amounts referenced in this tool reflect Florida law as HOV Law understands it at the time of publication and are subject to change by the Florida Legislature or the courts. Verify current law or consult an attorney before relying on any result.
This tool applies the statutory minimums in § 627.748(7) to the app status you select. It cannot verify what the app was actually doing, whether the rideshare company's policy carries more than the minimums, what uninsured/underinsured motorist limits apply, or how a personal policy's rideshare exclusion or endorsement affects coverage. Those are established from the company's records and the actual policies, and they decide the case.
For advice about your specific situation, contact HOV Law for a free, confidential consultation.