VictimsGuide

A Citizen’s Guide to Auto Insurance and Crash Law

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FLORIDA AUTO INSURANCE GUIDE

Florida Rideshare & Transportation Network Coverage

Florida rideshare insurance changes according to app status and whether a prearranged ride is underway. State law requires distinct liability coverage during waiting and ride periods together with applicable PIP and UM/UIM requirements.

  • Preserve app-status, trip and GPS records.
  • Obtain the driver’s personal policy and transportation-network policy.
  • Review personal-policy exclusions and rideshare endorsements.
  • Verify current waiting-period and prearranged-ride liability, PIP and UM/UIM requirements.

Publication review note — September 17, 2026. Verify current TNC insurance statutes and policy language before publication.