What type of insurance do Uber and Lyft drivers carry?

All vehicle owners are required to carry a minimum amount of car insurance under Florida law. The minimum requirement for an Uber or Lyft driver’s personal insurance policy is $10,000 for property damage liability coverage and $10,000 for personal injury protection (PIP).

Different insurance policies apply to an Uber or Lyft accident at various times during a ride-share service. If a car accident occurs when a driver is off duty, their personal insurance covers the crash.

When the ride-sharing app is in use and the driver is on the lookout for passengers, Uber or Lyft’s insurance policy applies. It covers up to $50,000 in physical injury liability per person and up to $100,000 per accident. An additional state law also requires ride-share drivers to have at least $1 million in lability coverage for property damage and physical injury when there is a customer in the car.

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