The short answer
Florida sets coverage for rideshare drivers by app status. App on and waiting: at least $50,000 per person, $100,000 per crash and $25,000 property damage. Matched with a rider or carrying one: at least $1 million in liability. PIP rules still apply to people in the car.
Source: Florida Statutes § 627.748(7)
Quick check
Which policy answers
The app status is recorded by the company, minute by minute.
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§ Florida Statutes § 627.748
Who you were
Your role changes the first payer
Passenger
Your own PIP pays first if you have it, then the rideshare policy at the $1 million tier.
Other driver
Your own PIP first, then the rideshare policy at whichever tier the app status sets.
Pedestrian or cyclist
Your own or a household PIP first, then the rideshare policy. See the pedestrian guide.
Rideshare driver
Your own PIP, then the at-fault driver. Company coverage for your own injuries depends on its policy.
Fault
How shared fault changes the number
Since March 24, 2023 Florida bars recovery for anyone more than 50% at fault. At 50% or below, damages are cut by that share.
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§ Florida Statutes § 768.81(6)
Deadlines
The clocks that apply
§ Florida Statutes § 95.11
Common questions
Questions people ask about Florida rideshare accidents
Sources
What this page is built on
Items marked are waiting for a final check before launch.
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Where to go next
Editorial information
Who wrote and checked this page
- Written by: After Crash Florida content team
- Legal review: not performed, general information only
- Last reviewed: November 12, 2026
- Corrections: see the Correction Policy