Lyft accidents present unique challenges due to the company's insurance structure and the driver's status as an independent contractor. Understanding these complexities is key to recovering compensation.
Lyft's Insurance Coverage
Period 1: App On, No Ride Accepted - $50,000/$100,000 bodily injury - $25,000 property damage
Period 2: Ride Accepted, En Route to Pickup - $1 million liability - $1 million UM/UIM - Contingent comprehensive/collision
Period 3: Passenger in Vehicle - $1 million liability - $1 million UM/UIM - Contingent comprehensive/collision
Types of Lyft Accident Victims
Passengers Have the clearest path to compensation. Can claim against Lyft's insurance and/or the at-fault driver.
Other Motorists May claim against Lyft driver's coverage or Lyft's commercial policy.
Pedestrians and Cyclists Same options as other motorists.
Lyft Drivers May be covered by Lyft's contingent collision coverage but face limitations.
Challenges in Lyft Cases
- Proving the driver's status at the time of accident
- Navigating multiple insurance policies
- Dealing with coverage denials
- Understanding policy exclusions
What to Do After a Lyft Accident
1. Get medical attention 2. Report to police 3. Report through the Lyft app 4. Document everything 5. Don't give recorded statements 6. Contact an attorney
Maximizing Your Recovery
Lyft accidents often involve multiple potential sources of compensation. An experienced attorney can identify all available coverage and negotiate with multiple insurers on your behalf.