{"id":938,"date":"2015-06-24T15:28:50","date_gmt":"2015-06-24T19:28:50","guid":{"rendered":"https:\/\/new.greatflorida.com\/blog\/?p=938"},"modified":"2026-04-16T21:31:14","modified_gmt":"2026-04-17T01:31:14","slug":"uber-and-lyft-could-leave-you-uncovered","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2015\/uber-and-lyft-could-leave-you-uncovered\/","title":{"rendered":"Uber and Lyft Could Leave You Uncovered"},"content":{"rendered":"<p>Getting a ride somewhere has been made easier than ever thanks to ride-sharing programs such as Uber and Lyft. The apps are convenient, but what happens if you are in an accident? Who is responsible for the damages is the source of debate in Florida.<\/p>\n<p><a href=\"https:\/\/www.uber.com\/safety\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Uber\">Uber<\/a>states, \u201cFrom the moment you are picked up until you are dropped off, you are covered under our commercial <a href=\"https:\/\/www.greatflorida.com\/florida-general-liability-insurance\">liability insurance<\/a>, every trip in every city.\u201d <a href=\"www.uber.com\" target=\"_blank\" title=\"Uber\">Uber<\/a> and<a href=\"https:\/\/www.lyft.com\/\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Lyft\"> Lyft <\/a>riders are covered under a one million dollar policy that covers riders. This is more <a href=\"https:\/\/www.greatflorida.com\/florida-auto-insurance\" target=\"_blank\" title=\"Florida car insurance\">auto insurance<\/a> coverage than taxis or limos. They also have added uninsured and under insured motorist coverage.<\/p>\n<p>According to <a href=\"http:\/\/www.insurancejournal.com\/news\/southeast\/2015\/01\/26\/355344.htm\" rel=\"nofollow noopener\" target=\"_blank\" title=\"The Insurance Journal\">The Insurance Journal<\/a>, the Florida Office of Insurance Regulation, Deputy Chief of Staff, Monte Stevens said the Uber policy meets the state insurance requirements. So what is the problem?<\/p>\n<p>\u201cThe uncertainty comes into play for drivers, when they are logged into the app but are waiting for a rider,\u201d said <a _blank=\"\" href=\"https:\/\/www.linkedin.com\/in\/dustyns\/\" rel=\"nofollow noopener\" target=\"_blank\">Dustyn Shroff<\/a>, Vice President of <a href=\"https:\/\/www.greatflorida.com\/\" target=\"_blank\" title=\"Florida Insurance Agency\">GreatFlorida Insurance<\/a>. \u201cDuring this period, a driver\u2019s <a href=\"https:\/\/www.greatflorida.com\/florida-auto-insurance\" target=\"_blank\" title=\"Florida car insurance\">personal car insurance<\/a> is responsible for damages. Unfortunately, many personal <a href=\"https:\/\/www.greatflorida.com\/florida-auto-insurance\" target=\"_blank\" title=\"Florida auto insurance\">auto insurance<\/a> policies would be likely to deny the claim because the driver is logged into the app, so it would fall into the <a href=\"https:\/\/www.greatflorida.com\/florida-commercial-insurance\" target=\"_blank\" title=\"Florida commercial auto insurance\">commercial driving <\/a>category. During that time Uber\u2019s policy is \u201ccontingent,\u201d leaving gray area.\u201d<\/p>\n<p>Many Florida lawmakers are arguing, \u201cIs this considered a taxi service or carpooling service?\u2019 \u00a0The state is deliberating new insurance requirements and ride-sharing regulation. Uber is hoping to get the issues picked up in the special June legislative sessions but it is unlikely that ride-sharing will be addressed by lawmakers until the 2016 session.<\/p>\n<p>If you are a ride-sharing driver, agents at\u00a0<a href=\"https:\/\/www.greatflorida.com\/\" target=\"_blank\" title=\"Florida Insurance Agency\">GreatFlorida Insurance<\/a> can make sure you get the proper coverage for you and riders. Contact us today to discover all the <a href=\"https:\/\/www.greatflorida.com\/florida-auto-insurance\" target=\"_blank\" title=\"Florida auto insurance\">auto insurance<\/a> and <a href=\"https:\/\/www.greatflorida.com\/florida-commercial-insurance\" target=\"_blank\" title=\"Florida commercial insurance\">commercial insurance<\/a> options available for you.<img alt=\"Screen-Shot-2015-01-20-at-8.06.44-AM\" class=\"size-full wp-image-955 aligncenter lazyload\" data-sizes=\"(max-width: 711px) 100vw, 711px\" data-src=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Screen-Shot-2015-01-20-at-8.06.44-AM.jpg\" data-srcset=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Screen-Shot-2015-01-20-at-8.06.44-AM.jpg 711w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Screen-Shot-2015-01-20-at-8.06.44-AM-300x214.png 300w\" decoding=\"async\" height=\"507\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 711px; --smush-placeholder-aspect-ratio: 711\/507;\" width=\"711\" srcset=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Screen-Shot-2015-01-20-at-8.06.44-AM.jpg 711w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Screen-Shot-2015-01-20-at-8.06.44-AM-300x214.png 300w\" sizes=\"(max-width: 711px) 100vw, 711px\" \/><\/p>\n<p><img alt=\"Lyft-insurance\" class=\"aligncenter wp-image-956 lazyload\" data-sizes=\"(max-width: 693px) 100vw, 693px\" data-src=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance.png\" data-srcset=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance.png 955w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-300x150.png 300w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-768x384.png 768w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-150x75.png 150w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-696x348.png 696w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-360x180.png 360w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-750x375.png 750w\" decoding=\"async\" height=\"347\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 693px; --smush-placeholder-aspect-ratio: 693\/347;\" width=\"693\" srcset=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance.png 955w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-300x150.png 300w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-768x384.png 768w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-150x75.png 150w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-696x348.png 696w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-360x180.png 360w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2015\/06\/Lyft-insurance-750x375.png 750w\" sizes=\"(max-width: 693px) 100vw, 693px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting a ride somewhere has been made easier than ever thanks to ride-sharing programs such as Uber and Lyft. The apps are convenient, but what happens if you are in an accident? Who is responsible for the damages is the source of debate in Florida. Uberstates, \u201cFrom the moment you are picked up until you [&hellip;]<\/p>\n","protected":false},"author":1219,"featured_media":953,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[3,6],"tags":[],"class_list":{"0":"post-938","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-auto-insurance","8":"category-commercial-insurance"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/938","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/users\/1219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/comments?post=938"}],"version-history":[{"count":1,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/938\/revisions"}],"predecessor-version":[{"id":13946,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/938\/revisions\/13946"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media\/953"}],"wp:attachment":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media?parent=938"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/categories?post=938"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/tags?post=938"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}