How much insurance coverage is available if I am injured as an Uber passenger in West Palm Beach?

When a ride is active, Uber maintains a $1 million liability policy that generally covers passengers from the moment a ride is accepted until the drop-off is complete. Florida law requires TNC policies to include uninsured and underinsured motorist coverage, though the applicable limits may vary, and UM/UIM coverage may be reduced or structured differently than the primary liability limit. If a third-party driver lacks sufficient insurance, Uber’s policy may provide supplemental coverage depending on the specific terms. If the Uber driver was not on an active trip at the time of the accident, different and lower coverage limits typically apply under Florida law.