Florida Rideshare Driver Injury Claims

On-The-Job Injury Claims for Uber and Lyft Drivers

While much attention focuses on passenger safety, rideshare drivers face significant risks on Florida roads. Because Uber and Lyft classify drivers as independent contractors rather than employees, traditional Workers' Compensation insurance is generally unavailable.

Navigation of Rideshare Insurance Periods

Financial recovery depends on the specific "period" the driver was in at the time of the crash:

1.App On, Waiting for Request:Period 1.

Lower contingent liability limits apply ($50,000 per person / $100,000 per accident for bodily injury).

2.Match Accepted, En Route:Period 2.

TNC commercial policy expands to $1,000,000 total liability coverage.

3.Passenger in Vehicle:Period 3.

Full $1,000,000 policy coverage remains active until the passenger exits the vehicle.

Third-Party At-Fault Claims

If another motorist causes the collision while you are driving for a rideshare service, you can file a bodily injury claim against the fault driver's insurance alongside your own PIP and UM policies.

Under Fla. Stat. § 95.11, the deadline to bring a motor vehicle injury claim in Florida is two years.