Insurance Coverage and Lyft Rideshares

All car accidents are unique in the fact they are caused by different things, including different vehicles, are at different locations and are different rates of severity. This complicates the insurance process enough, but when you’re in an accident involving a Lyft driver, things could get more complicated. Who is at fault? Do you go after the Lyft rideshare itself or the individual driver? The following outlines Lyft’s insurance coverage so you can better understand where to turn.

Lyft’s Insurance Overview

The Lyft company requires its drivers to hold personal auto insurance coverage, but it also provides coverage to a certain extent. It breaks down as follows:

  • App Off – If the driver’s app is off and he or she is using the car for personal use, Lyft has no responsibility in the accident and the driver’s personal auto insurance should receive your claim.
  • App On, No Match – If the driver’s app is on and he or she is waiting for a match, Lyft carries some responsibility. This includes bodily injury coverage up to $100,000 per accident and $50,000 per person, as well as property damage coverage up to $25,000 per accident.
  • Match Notification – As soon as the driver has a match notification, even if he or she is still en route to pick up the individual, Lyft has $1,000,000 liability and uninsured motorist coverage per occurrence, and either repair cost or cash value (whichever is the least amount) in contingent collision & comprehensive coverage.
  • Passenger Dropped Off – As soon as the passenger is dropped off, the coverage goes back to whichever situation the driver is in; App Off or App On, No Match.

When the App Is Off

If you are injured by a Lyft driver who wasn’t currently on the clock for the Lyft rideshare company, you have a couple options. First, you should contact his or her insurance company to be sure there is proper insurance coverage. If there is, speak with your attorney about filing a claim and how to go about doing that. If the driver isn’t properly covered for some reason, you can use your own auto insurance or personal health insurance to pay for your medical bills. In the meantime, you can work with your lawyer to create a case to sue the driver.

Contact a Lawyer to Learn More

After you are injured in a Lyft accident, you deserve compensation, regardless of where it is coming from. Contact a car accident lawyer, like a car accident lawyer in Denver, CO from Richard J. Banta, P.C., today to learn more about what you need to do.