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Rideshare Insurance in Florida

Do you live in Florida and are currently signed on to work for a ridesharing company such as Uber or Lyft? Did you know that you will need to purchase rideshare insurance in Florida? If you have not considered this coverage before, then you should. You could face some serious issues by not having the right coverage.

 

Florida is home to the largest rideshare markets in the country. In fact, some of the major hotspots for ridesharing are Miami, Tampa, Orlando, and Daytona Beach. Actually, rideshare insurance in Florida did not exist until 2017. Which is simply crazy considering how long this service has been in business. Farmers Insurance was the first insurer to provide this coverage type. Soon after other companies followed.

 

Which companies offer rideshare insurance in Florida?

It’s important that you know which companies can cover you. Currently, today here is a list of companies that can provide you with a rideshare policy in Florida.

  • Farmers Insurance
  • Geico
  • Mercury
  • Progressive
  • State Farm

 

 

So does ridesharing companies provide me with the coverage I need?

Uber and Lyft can provide you with decent coverage if you have a passenger in the car, or if you are on your way to pick up a passenger.  If you are sitting and waiting on a ride request to come in, they will not provide you with collision coverage. At that time, they will only provide you with a limited amount of liability and property damage coverage. In other terms, while you are waiting for a ride request, Uber or Lyft aren’t paying for any damages or medical expenses that may incur due to an accident. They will only cover you for damages done to the other vehicle and the injuries of the passenger in that vehicle.

 

Does my personal auto insurance cover me?

Your personal auto insurance will not cover you if you are an accident while waiting for a ride request. Unless you are equipped with a rideshare policy, your insurer will not cover you for any accidents that occur while you are driving for Lyft or Uber. If you are driving for either of these companies and your company finds out you are a rideshare driver, your policy may be canceled. That is why it’s important to have rideshare coverage in Florida.

 

 

What does rideshare cover?

Rideshare insurance in Fl will be able to extend your personal auto insurance coverage during personal use and while you are logged into the app. Your coverage ends once you accept a ride request in the app.  Once you drop off a passenger at their destination, your rideshare coverage in FL kicks in again and applies to you until you accept your next ride request.

 

How much is it?

An auto policy with ridesharing coverage will cost an addition $15 – $20 dollars more each month. This cost will differ by company. As you should already know, rates differ by company.  When it comes time to select coverage be sure to:

  • Tell your auto insurer that you are driving for a rideshare company.
  • Determine the gaps between your personal policy and your rideshare company’s policy.
  • Always ask your current insurer whether they can offer a rideshare policy in order to fill in coverage gaps.

 

Remember to always disclose that you are a rideshare driver to your insurance company. If you leave this information out, you could risk being dropped. If you are new to Uber or Lyft, understand the gaps in coverage you are facing and be sure to purchase rideshare insurance in Florida.

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