Lyft Injury Accident Insurance Information Guide
If you were injured in any Lyft collision – whether you were a passenger in a Lyft car or other vehicle, in another car or riding a motorcycle or bicycle hit by a Lyft car, a pedestrian struck by a Lyft car, or even a Lyft driver – you should understand the basic Lyft insurance policy coverages.
Our Lyft injury accident claim attorneys are here to help you. Simply call or contact us now for your FREE explanation of Lyft insurance coverages and for your FREE case evaluation; and if for any reason you cannot contact us now, then here is some basic Lyft insurance coverage information that should provide some useful general guidance for you until you are able to contact one of our Lyft accident lawyers:
- Insurance Coverage When The Lyft Driver Mode Is Off
There is no Lyft insurance coverage when the Lyft driver mode is off. Only the driver’s own personal liability insurance coverage applies in this situation.
- Insurance Coverage When The Lyft Driver Mode Is On But No Ride Has Been Accepted
The insurance policy of the Lyft driver is primary and Lyft provides secondary or contingent liability coverage if the Lyft driver’s insurance does not when the Lyft driver mode is on but NO ride has yet been accepted.
The Lyft contingent liability coverage applies ONLY if the driver’s APP is on in the driver mode and BEFORE the Lyft driver has received a ride request AND when the driver’s own primary personal insurance does not provide coverage.
The Lyft contingent policy coverage is as follows: $50,000.00 maximum limit per injured person, $100,000.00 maximum limit per entire accident for all injured persons (this means, no one injured person can receive more than $50,000.00 and combined all injured persons cannot receive more than $100,000.00), and a $25,000.00 limit for property damage. This policy coverage has NO deductible.
Note: This is the basic policy coverage of Lyft, but this policy coverage may be modified to comply with any more specific code sections and laws of any particular state and/or city.
- Insurance Coverage When The Lyft Driver Mode Is On And A Ride Is Accepted Until The Ride Concludes
This Lyft primary insurance coverage is the primary insurance coverage from the time the Lyft driver mode is on and a ride request is accepted until the time this ride has ended in the Lyft app.
This primary insurance policy has a $1,000,000.00 per accident total limit.
This $1,000,000.00 single limit insurance policy covers the driver’s liability for the entire accident or incident that the Lyft driver causes to others, such as injury, damages and also property damage to another car, truck, motorcycle, bicycle or other property.
This single limit coverage creates many different scenarios depending on how many different people are injured, the number of cars damaged and any other property damaged. When there are multiple vehicles with injured occupants involved in a collision(s) with a Lyft vehicle, many different complex coverage scenarios are possible. Our Lyft personal injury lawyers can go over this with you and explain to you the complexities and various strategies to consider when such circumstances arise.
- Lyft Uninsured Motorist (UM) / Underinsured Motorist (UIM) Coverage
Lyft maintains insurance coverage for uninsured motorist (UM)/Underinsured motorist (UIM) coverage that essentially covers the passengers in the Lyft vehicle from the time the Lyft driver accepts a ride request until the time the ride ends in the Lyft app, if the insurance coverage of another car or other vehicle is insufficient to pay for all of the damages sustained by Lyft passengers. The amount of this UM/UIM coverage varies by state, and in California this coverage is $1,000,000.00. There is NO deductible on the Lyft UM/UIM coverage.
If you have questions about how the Lyft coverages work and who is covered and for how much money, you should contact our Lyft insurance claim accident attorneys now for an absolutely FREE consultation. And if our personal injury lawyers take your case, our law firm works on a contingency fee which simply means there is NO fee until you WIN!
Our personal injury and wrongful death website pages provide further information on injuries, damages and insurance coverage questions. Meanwhile, the above information provided on this web page is designed to provide general basic information to guide you until you are able to contact our Lyft accident claim attorneys. (Of course, all information provided on this page and our web site is subject to change at any time and should be verified with our attorneys at the time you become a client).
The Lyft insurance coverage and procedures for various situations can be tricky!
There are important procedures and time deadlines to follow, including the California statute of limitations requiring settlement or suit within a certain period of time or your claim may be dismissed and lost!
Please contact us now by using our easy to use contact form or just call us now at 1 866 INJURY 2 (after hours, press “1”) – You will be glad you did!