What Are the Uber Laws in Florida?

In Florida, Uber has revolutionized transportation, offering residents and tourists alike an accessible, convenient alternative to traditional taxi services. This ride-sharing giant not only connects drivers with passengers through a few taps on a smartphone but also navigates the complex web of state regulations designed to ensure safety, reliability, and fairness in the industry. Understanding the legal framework that governs Uber’s operations in Florida is crucial not only for drivers and passengers but also for policymakers and legal professionals who navigate these waters daily.

What Are the Uber Laws in Florida?

Florida’s approach to regulating Uber and similar ride-sharing services reflects a broader attempt to balance innovation with public safety and consumer protection. The state’s laws concerning Uber touch on everything from insurance requirements and driver qualifications to vehicle standards, setting a legal precedent that aims to protect all parties involved in the ride-sharing ecosystem. As Uber continues to grow in popularity, staying informed about these laws becomes increasingly important for ensuring that the benefits of ride-sharing are enjoyed responsibly and safely.

Current Uber Laws in Florida

Florida has established a comprehensive legal framework to govern the operations of ride-sharing services like Uber, ensuring that the burgeoning industry promotes both innovation and public safety. These laws, codified in the Florida Statutes, outline the responsibilities and requirements for ride-sharing companies operating within the state.

1. Statewide Regulation

In 2017, Florida passed significant legislation that provided a statewide regulatory framework for ride-sharing services, also known as Transportation Network Companies (TNCs). This legislation was a landmark move, offering clarity and uniform standards for ride-sharing across the state, pre-empting local ordinances that varied significantly from one municipality to another.

2. Insurance Requirements

A pivotal aspect of Florida’s Uber laws revolves around insurance. The state mandates robust insurance coverage for drivers engaged in ride-sharing activities, including:

  • While the App is Active, Pre-Ride Acceptance: Drivers or the TNC must have primary automobile insurance that covers at least $50,000 for death and bodily injury per person, $100,000 per accident, and $25,000 for property damage.
  • From Ride Acceptance to Passenger Drop-off: The required insurance coverage escalates to at least $1 million for death, bodily injury, and property damage, providing substantial protection for passengers and third parties.

3. Driver Requirements

Florida law also sets specific standards for individuals who wish to drive for Uber, including:

  • Background Checks: Uber must conduct detailed background checks on all drivers, including checks against a national sex offender database, criminal records, and driving history.
  • Age and Driving Experience: Drivers must meet minimum age requirements and possess a valid driver’s license, with an appropriate level of driving experience.
  • Vehicle Requirements: All vehicles used for ride-sharing must pass an annual safety inspection and comply with standards for age, condition, and safety features.

4. Zero Tolerance for Drug and Alcohol Use

Uber is required to enforce a zero-tolerance policy for drug and alcohol use among its drivers while they are logged into the app and operating on the platform. Violations of this policy can lead to the immediate suspension or permanent removal of the driver from the Uber platform.

5. Accessibility and Non-Discrimination

The laws ensure that ride-sharing services are accessible to all individuals, including those with disabilities. TNCs like Uber must comply with all applicable laws regarding non-discrimination and accessibility, providing reasonable accommodations and not imposing additional charges for passengers who require accessible transportation options.

Insurance Requirements and Liability

One of the most critical aspects of Uber’s legal framework in Florida revolves around insurance coverage, designed to protect passengers, drivers, and the public in the event of a Uber accident. Understanding these requirements is essential for anyone utilizing or participating in ride-sharing services.

1. Comprehensive Coverage

Florida mandates that all Transportation Network Companies (TNCs), including Uber, provide comprehensive insurance coverage that kicks in the moment a ride request is accepted and continues until the passenger is safely dropped off. This policy is multifaceted, covering several key areas:

  • Liability Insurance: Once a ride is accepted, Uber provides $1 million in liability insurance, which covers damages to third parties, passengers, and property in the event of an accident. This is significantly higher than the minimum coverage required for personal drivers under Florida law, reflecting the increased risk associated with commercial transportation services.
  • Uninsured/Underinsured Motorist Coverage: This coverage protects passengers if an accident occurs with a motorist who either lacks insurance or has insufficient coverage to pay for the damages incurred. It ensures that passengers have a recourse for compensation, regardless of the at-fault party’s insurance status.
  • Contingent Collision and Comprehensive Coverage: Uber also provides contingent collision and comprehensive coverage, which applies to damage to the Uber driver’s vehicle in the event of an accident. This coverage is contingent upon the driver having personal collision and comprehensive coverage, but it offers an added layer of protection during trips.

2. The Role of Personal Insurance

It’s important to note that Uber’s insurance coverage is designed to supplement, not replace, the personal insurance carried by drivers. Drivers are required to maintain their personal insurance policies in accordance with Florida law. However, Uber’s commercial insurance takes precedence when a ride is in progress, providing primary coverage that is more extensive than typical personal auto insurance policies.

3. Liability and Legal Actions

In cases where disputes arise over liability or the adequacy of insurance payouts, passengers and third parties may find themselves involved in legal actions against Uber or other involved parties. Florida’s laws aim to streamline these situations by setting clear insurance requirements, but the complexity of individual cases can still lead to legal challenges.


Understanding the interplay between personal insurance, Uber’s commercial coverage, and state regulations is crucial for navigating the aftermath of an accident involving a ride-sharing service in Florida. This framework seeks to ensure that all parties have access to fair compensation while maintaining the viability and safety of the ride-sharing model.

Contact Gonzalez & Cartwright, P.A. Today

Florida’s approach to regulating Uber and other ride-sharing services underscores a proactive stance towards integrating innovative transportation solutions within a legal framework that prioritizes safety, fairness, and accountability. The laws in place are a testament to the state’s commitment to navigating the challenges and opportunities presented by the digital economy, particularly in the realm of personal transportation.  Contact Gonzalez & Cartwright today at 561-556-3514 or schedule your free consultation online.


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