May 2

Mandatory Insurance for UBER Drivers Bill To Be Signed By Florida Governor

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mandatory insurance for UBER lawThe Florida Legislature has passed a bill that will set forth requirements for mandatory insurance for UBER (and other ride-sharing companies) drivers and Governor Scott states that he will sign it, according to FloridaPolitics.com.

The bill (soon to be law) addresses many issues associated with UBER and other “transportation network companies” {“TNC”}. However, what is most important to my clients is the statutory requirements for automobile insurance coverage if the Uber driver and their passengers are involved in a car accident.

The legislation states that the mandatory insurance for UBER (and other TNC) drivers is all must carry $50,000 per person / $100,000 per accident of insurance for bodily injury or death and $25,000 for property damage while a driver is logged into the app, but hasn’t yet secured a passenger. This coverage changes when the driver picks up passengers. When there is passengers in the car, the mandatory insurance for UBER (and other TNC) drivers is that they need to have $1 million in coverage.

The language of the bill is as follows (emphasis added by me):

(7) TRANSPORTATION NETWORK COMPANY AND TNC DRIVER INSURANCE REQUIREMENTS.—

(a) Beginning July 1, 2017, a TNC driver or a TNC on behalf of the TNC driver shall maintain primary automobile insurance that:

1. Recognizes that the TNC driver is a TNC driver or otherwise uses a vehicle to transport riders for compensation;

2. Covers the TNC driver while the TNC driver is logged on to the digital network of the TNC or while the TNC driver is engaged in a prearranged ride.

(b) The following automobile insurance requirements apply while a participating TNC driver is logged on to the digital network but is not engaged in a prearranged ride:

1. Automobile insurance that provides:

a. A primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage;

b. Personal injury protection benefits that meet the minimum coverage amounts required under ss. 627.730-627.7405; and

c. Uninsured and underinsured vehicle coverage as required by s. 627.727.

(c) The following automobile insurance requirements apply while a TNC driver is engaged in a prearranged ride:

1. Automobile insurance that provides:

a. A primary automobile liability coverage of at least $1 million for death, bodily injury, and property damage;

b. Personal injury protection benefits that meet the minimum coverage amounts required of a limousine under ss. 627.730-627.7405; and

c. Uninsured and underinsured vehicle coverage as required by s. 627.727.

In addition to the mandatory insurance for UBER and other drivers listed above, the law will require the driver to carry proof of coverage with him or her at all times during his or her use of a TNC vehicle in connection with a digital network. In the event of a car accident, a TNC driver will be required to provide this insurance coverage information to any party directly involved in the accident or the party’s designated representative, automobile insurers, and investigating police officers. Further, upon request, a TNC driver shall also disclose to any party directly involved in the accident or the party’s designated representative, automobile insurers, and investigating police officers whether he or she was logged on to a digital network or was engaged in a prearranged ride at the time of the accident.

I have represented several clients who were involved in a car accident caused by someone driving for UBER or a similar company. I have also represented several UBER (or similar company) passengers who were injured in a car accident caused by other drivers. This law should provide them with the protection needed after a car accident.

Drive safely and watch out for those who don’t.

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PAttorney Noyes sues wrong way driversersonal Injury Attorney Matthew Noyes represents those injured in car accidents, motorcycle crashes, bicycle accidents, pedestrian accidents and other types of personal injury matters. He is a named partner at the Tampa Bay law firm of Perenich Caulfield Avril Noyes – one of the oldest personal injury law firms in Pinellas County. Call Attorney Matthew Noyes now at 727-796-8282 or complete the form on this page or simply click here to schedule a free case consultation.

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