Lyft Insurance Claims

An experienced attorney can fight for your rights after a Lyft accident

Rideshare accidents can get confusing, especially when determining who pays for your injuries and damages. Lyft accidents can involve multiple parties, including the rideshare company, the driver, and possibly other motorists. Each situation is unique, and the insurance coverage available depends on when the car accident occurred and who was at fault. Understanding how Lyft’s insurance policy works and when it applies is key to ensuring you get the compensation you need. An experienced car accident lawyer can guide you through the process.

“After a car accident, having Armando on my side was a lifesaver. His firm is excellent, with a knowledgeable staff ready to guide you through every detail and ensure you’re well taken care of. Armando was dedicated to my case, working tirelessly with insurance companies, medical providers, and car repair services to secure every possible form of assistance. I highly recommend them!” – Megan S., ⭐⭐⭐⭐⭐

How Lyft’s insurance coverage works

Determining when Lyft’s coverage applies and how much protection it provides can be complicated. In short, Lyft’s insurance coverage varies based on the driver’s status at the time of an accident.

If the Lyft driver was offline or not using the Lyft app when the accident occurred, the driver’s personal auto insurance policy applies. Lyft provides no coverage in this situation.

If the driver is logged into the Lyft app but hasn’t yet accepted a ride request, Lyft provides contingent liability coverage. This means that if the driver’s insurance does not cover the accident, Lyft’s policy provides:

$50,000 per person for bodily injury
$100,000 per accident for bodily injury
$25,000 for property damage

Once the Lyft driver accepts a ride request and is on their way to pick up a passenger or actively transporting someone, Lyft’s $1 million liability policy applies. This coverage includes third-party liability and uninsured/underinsured motorist coverage.

It’s important to note that while Lyft’s insurance is meant to provide additional protection, the claims process can be complicated, and insurance companies may dispute coverage depending on the specifics of the accident. That’s why it’s important to speak with an experienced attorney who can help determine who is liable for the accident and collect other evidence to support your claim.

Who is liable for a Lyft accident?

Determining liability in a Lyft accident can be challenging. Depending on the circumstances, one or more of the following parties could be responsible for the crash:

The Lyft driver: If the driver’s negligence caused the accident, their insurance or Lyft’s policy may apply.
Another driver: If another driver caused the crash, their insurance should cover damages.
Lyft itself: In some cases, Lyft may be held responsible, such as if the company failed to properly vet the driver or if a technical issue with the app contributed to the accident.

In some accidents, multiple parties may share responsibility. For example, if both a Lyft driver and another motorist were partially at fault, liability may be divided based on the percentage of fault. This can impact how insurance claims are handled and the compensation you receive.

What should I do after an accident involving a Lyft driver?

Here are the steps to take following a Lyft accident to help protect your health and your right to seek compensation:

Call 911: If you are involved in a Lyft accident, whether as a passenger, pedestrian, or another driver, members of law enforcement can make sure everyone is safe. They will also complete an accident report that may be useful when filing a claim.
Document the scene: Take photos and video of the accident scene, landmarks, and any visible injuries. Gather the contact and insurance information of the parties involved. Also get the contact information of any witnesses.
Seek medical attention: Even if you don’t feel seriously injured, it’s important to get checked by a doctor. Medical records can play a significant role in your claim.
Report the accident to Lyft: Lyft allows passengers and drivers to report accidents through the app.
File a claim with Lyft’s insurance provider: Lyft partners with third-party insurers for claims processing. If Lyft’s insurance applies, you will need to file a claim with the appropriate insurer.
Submit required documentation: This may include medical records, accident reports, witness statements, and proof of expenses related to your injuries.
Consult an experienced Tampa car accident lawyer: An attorney can go over your legal options and help you navigate the claims process. A lawyer can also help you file a lawsuit, if needed.

What makes Lyft insurance claims complicated?

After an accident, claimants often face several challenges, including:

Disputes over liability: Determining fault in a Lyft accident isn’t always straightforward. The involved parties – Lyft, the driver, or another motorist – may dispute who is responsible. You may even be blamed for causing the accident.
Low settlement offers: Insurance companies often prioritize minimizing payouts, meaning you may receive a settlement offer that does not fully cover your medical expenses, lost wages, or other damages.
Delays in processing claims: Lyft’s insurance providers may take time to process claims, especially if there are disagreements about liability or the extent of your injuries. The back-and-forth negotiations between Lyft, its insurance carrier, and other involved insurers can lead to frustrating delays.
Denials based on policy exclusions: Insurance companies may attempt to deny claims – for example, by arguing that injuries were due to pre-existing conditions. Some claimants find their cases dismissed due to technicalities or insufficient documentation.
Difficulty accessing Lyft’s insurance coverage: Since Lyft’s insurance is contingent on the driver’s status in the app, insurers may try to argue that the driver was not properly logged in, limiting coverage.

Get help from a Tampa Lyft accident lawyer today

At Armando Personal Injury Law, we know how overwhelming a Lyft accident can be, from dealing with injuries to figuring out who’s responsible for your claim. You shouldn’t have to take on rideshare companies or their insurers alone. Our legal team is here to fight for you every step of the way. We’ll handle the paperwork, push back against lowball settlement offers, and make sure your case gets the attention it deserves.

Whether you were injured as a passenger, driver, or pedestrian, we’re ready to help you pursue the full compensation you deserve. Contact us today to talk to an experienced Lyft accident lawyer who will stand up for your rights and put your recovery first.