Hurt in a Florida Uber or Lyft Accident? How PIP Fits Into Your Medical Bills

What is the difference between the $10,000 and $2,500 rules?

A policy that complies with the security requirements of § 627.733 must provide personal injury protection to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits. Death benefits are in addition to the medical and disability benefits. They are not inside the $10,000. Fla. Stat. § 627.736(1).

Medical benefits are 80 percent of reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services described in the statute. That includes prosthetic devices and medically necessary ambulance, hospital, and nursing services, if the person received the initial care within 14 days.

Disability benefits are 60 percent of any loss of gross income and loss of earning capacity per individual from inability to work proximately caused by the injury. They also include all expenses reasonably incurred in obtaining from others ordinary and necessary services in lieu of services that, but for the injury, the injured person would have performed without income for the household. Disability benefits must be paid at least every two weeks. Medical benefits and disability benefits share the $10,000. Disability benefits are not a second $10,000.

Reimbursement for the services and care in subparagraphs 1 and 2 goes up to $10,000 if a physician licensed under chapter 458 or chapter 459, a dentist licensed under chapter 466, a physician assistant licensed under chapter 458 or chapter 459, or an advanced practice registered nurse licensed under chapter 464 determines that the injured person had an emergency medical condition. Fla. Stat. § 627.736(1)(a)3.

That reimbursement is limited to $2,500 if a provider listed in subparagraph 1 or subparagraph 2 determines that the injured person did not have an emergency medical condition. Fla. Stat. § 627.736(1)(a)4. The statute states those two rules. It does not state a third dollar figure for a case in which no listed provider makes either determination.

Fla. Stat. § 627.732(16) defines “emergency medical condition” as a medical condition manifesting itself by acute symptoms of sufficient severity, which may include severe pain, such that the absence of immediate medical attention could reasonably be expected to result in serious jeopardy to patient health, serious impairment to bodily functions, or serious dysfunction of any bodily organ or part.

These are required personal injury protection benefits. Section 627.736 does not condition them on proof that another driver caused the accident.

Who can provide the care that starts the 14-day clock?

The initial services and care in § 627.736(1)(a)1. must be lawfully provided, supervised, ordered, or prescribed by a physician licensed under chapter 458 or chapter 459, a dentist licensed under chapter 466, a chiropractic physician licensed under chapter 460, or an advanced practice registered nurse registered under s. 464.0123. They may also be provided in a hospital, or in a facility that owns, or is wholly owned by, a hospital. A person or entity licensed under part III of chapter 401 that provides emergency transportation and treatment may also provide that initial care.

That list is who can start the 14-day clock. It is not the same list as the providers who can make the emergency-medical-condition finding for the $10,000 services-and-care tier. If the initial care does not happen within 14 days, the medical benefits that depend on it are not available under § 627.736(1)(a).

How do the logged-on period and the occupied ride differ?

While a participating driver is logged on to the digital network but is not engaged in a prearranged ride, § 627.748(7)(b) requires three things:

• Primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000 per incident, and $25,000 for property damage.
• Personal injury protection benefits that meet the minimum coverage amounts required under ss. 627.730 through 627.7405.
• Uninsured and underinsured vehicle coverage as required by s. 627.727.

While the driver is engaged in a prearranged ride, § 627.748(7)(c) requires three different things:

• Primary automobile liability coverage of at least $1 million for death, bodily injury, and property damage.
• Personal injury protection benefits that meet the minimum coverage amounts required of a limousine under ss. 627.730 through 627.7405.
• Uninsured and underinsured vehicle coverage as required by s. 627.727.

The ride-period PIP line is a cross-reference to the limousine minimum in those PIP statutes. Section 627.748 does not restate a dollar amount for it. Do not treat the ordinary $10,000 figure as the ride-period PIP amount. Check the policy against that cross-reference.

Both app periods use the same phrase for uninsured and underinsured vehicle coverage: “as required by s. 627.727.” Section 627.748 does not set a separate UM or UIM dollar limit in those paragraphs. It does not say whether the coverage was selected or rejected. If a selection or rejection matters, that question is in s. 627.727 and in the policy.

Section 627.748(8)(b) says an insurer may exclude any coverage in a policy issued to an owner or operator of a TNC vehicle, including personal injury protection and uninsured and underinsured motorist coverage, for a loss while the driver is logged on or while the driver provides a prearranged ride. The statute permits that exclusion. It does not say every personal policy uses it. Before a driver may accept a ride request, the company must disclose in writing that the driver’s own automobile policy might not provide any coverage while the driver is logged on or engaged in a prearranged ride, depending on the terms of that policy. § 627.748(8)(a)2.

What is left when the PIP limit is reached?

Medical and disability benefits share a $10,000 limit. Death benefits are $5,000 per individual, and they are in addition to that limit. When the driver is engaged in a prearranged ride, § 627.748(7)(c) still requires primary liability coverage of at least $1 million for death, bodily injury, and property damage. That liability coverage is not PIP.

Uninsured and underinsured vehicle coverage in both app periods remains “as required by s. 627.727,” not a dollar amount written into § 627.748. Whether a particular injury can be pursued beyond PIP, and against which policy, depends on the facts and on Florida law a licensed Florida lawyer should apply to the case.

What to do now

• Get the initial care listed in § 627.736 within 14 days, and keep every record and bill.
• Screenshot the trip receipt if you were the passenger.
• Get the police report number and the other driver’s insurance information.
• Find the declarations page for any auto policy that might apply, including PIP and any uninsured motorist selection or rejection.

For Florida’s rideshare insurance tiers and the companies’ certificates, see the Florida rideshare insurance guide. If you were a pedestrian, cyclist, or another driver, see An Uber or Lyft Driver Hit Me. Whose Insurance Pays?.

Sources and limits

The dollar figures, the limousine cross-reference, and the uninsured-motorist cross-reference above are from the 2026 Florida Statutes text of § 627.736, § 627.732(16), and § 627.748, checked November 10, 2026. RideClaim.co is not a law firm and does not provide legal advice. Coverage depends on the accident date, the policy, and the facts.