If you are a rideshare driver for a company like Uber or Lyft, you are also in the legal category known as “drive for hire.” Driving for hire means that personal car insurance does not cover you or your passengers while you’re logged into the app. If you are driving for Uber or Lyft, you should consider a personal rideshare insurance policy.
Uber and Lyft provide its drivers with Florida’s legally required insurance while logged into the app, but coverage will not protect your property through comp and collision. When you accept a ride and pick up a passenger, Uber provides additional liability, bodily injury, and PIP but does not cover the cost of damages to your personal property.
Limited coverage based on Florida’s legal requirements is certainly better than no coverage, but you may feel more comfortable knowing that your property is always protected in the event of an unexpected accident. As an Uber or Lyft driver, you may want to consider an individual rideshare insurance policy.
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Davie Office
4480 SW 64th Ave
Davie, FL 33314
(954) 791-7116
Fort Lauderdale Office
2787 W. Davie Blvd
Fort Lauderdale, FL 33312
(954) 587-7800
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3734 W Oakland Park Blvd
Lauderdale Lakes, FL 33311
(954) 366-6371