Drivers on ridesharing apps like Uber and Lyft have different levels of insurance coverage depending on the zone they are in per time. On Uber, for example, Zone one is when a driver is online but not yet paired with a rider, and zone two is when the driver accepts a trip and goes to pick up and drop off a rider. When in zone one, the driver has insurance for up to a certain amount of property damage. 

Suppose a driver gets in an accident while in zone two. There's insurance coverage for property damage and bodily injury. But access to the collision damage policy in zone one is contingent on the driver having at least a personal auto policy coverage. The reason is that ridesharing apps classify drivers as independent contractors and not employees. 

Learn more in this episode of the David vs. Goliath podcast with elite personal injury lawyer Matt Dolman and his guest, Brent Sibley, Esq. They discuss ridesharing agreements, your rights as a driver using the apps, how to protect yourself against your insurance carrier, and more.  

In this episode: 

• [00:48] Matt Dolman welcomes his guest, Brent Sibley, Esq.
• [01:25] Matt introduces the topic of the day: ridesharing agreements and insurance coverage for drivers 
• [01:46] What is ridesharing? 
• [03:46] Insurance issues when driving for Uber or Lyft and you're involved in an accident
• [05:32] The different levels of insurance coverage for accidents involving drivers working with rideshare companies 
• [06:55] Why Uber has minimal insurance coverage for zone one
• [08:36] I drive for Uber. Uber has insurance coverage for me. Do I still need a private auto insurance policy? 
• [11:20] How much private cover is required, and does rideshare services' insurance cover bodily injury? 
• [14:24] Choosing the wrong private cover can put your insurance coverage at risk if you drive for ridesharing services 
• [17:16} The right way to protect yourself from losing the benefits of your insurance coverage when using ridesharing services as a driver

💡 Meet Your Host 💡

Name Matthew A. Dolman, Esq.

Title: Partner at Dolman Law Group Accident Injury Lawyers, PA

Specialty: Matt is a nationally recognized insurance and personal injury attorney and focuses much of his practice on the litigation of catastrophic injury and wrongful death cases throughout Florida. 

Connect: LinkedIn | Twitter | Instagram 

💡 Featured Guest 💡

Name Brent Sibley, Esq.

Title: Personal Injury Lawyer with Modern Injury Lawyers

Specialty: Brent is committed to providing aggressive and effective legal representation and counsel to individuals who have sustained personal injury in serious accidents. He formerly ran Sibley Dolman Accident Injury Lawyers, LLP covering Aventura, North Miami Beach, Fort Lauderdale, Doral, and Boca Raton. 

Connect:  LinkedIn 

🔑 Relevant Resources 🔑

• The Transportation Network Company Statute

The insights and views presented in “David vs. Goliath” are for general information purposes only and should not be taken as legal advice for any individual case or situation. The information presented is not a substitute for consulting with an attorney. Nor does tuning in to this podcast constitute an attorney-client relationship of any kind. Any case result information provided on any portion of this podcast should not be understood as a promise of any particular result in a future case. Dolman Law Group Accident Injury Lawyers: Big firm results, small firm personal attention.