Florida Injury Attorney Blawg
Much has been written about the insurance coverage available to Uber passengers and other third parties for accidents caused by Uber drivers. Less has been written about the coverage available to Uber drivers and their passengers for injuries caused by third parties such as other drivers.
Currently, we are handling a case for an Uber driver who was hurt through the negligence of another driver. Our client’s passenger was also hurt.
Florida motor vehicle insurance policies offer a variety of coverages. For individuals, only Property Damage Liability and PIP are mandatory. The other available coverages are Uninsured Motorist/Underinsured Motorist (UM/UIM), Comprehensive, Collision, and Medical Payments. A premium is charged for each type of coverage.
Uber maintains insurance coverage in Florida with Progressive. We received a copy of the policy applicable to our accident. The available coverages are:
- Liability to Others – Bodily Injury and Property Damage Liability – $1,000,000 combined single limit
- Comprehensive – $2,500
- Collision – $2,500
- Medical Payments – $5,000 each person
Uber rejected UM/UIM. PIP was not an option.