Rideshare services like Lyft have made transportation more convenient, but accidents still happen. If you’re injured as a Lyft passenger, you might assume that Lyft’s insurance will cover your medical bills and other damages. However, Lyft insurance issues can complicate the claims process, leaving injured passengers struggling to get compensation.
Understanding how Lyft’s insurance works, when you can file a claim, and what to do if you’re denied compensation is crucial. A rideshare accident lawyer can help protect your rights and ensure you receive the settlement you deserve.
Understanding Lyft’s Insurance Coverage
Lyft provides different levels of insurance coverage depending on the driver’s status at the time of the accident. As a passenger, you are covered by Lyft’s third-party liability insurance, but the claims process can still be complex.
Here’s how Lyft’s insurance works:
1. If the Lyft App is Off
If the Lyft driver is not logged into the app, Lyft’s insurance does not apply. Any accident would be covered by the driver’s personal auto insurance.
2. If the Driver is Logged In but Has No Passenger
When the driver is waiting for a ride request, Lyft provides limited liability coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
However, this coverage only applies if the driver’s personal insurance does not cover the accident.
3. If the Driver is on the Way to Pick Up a Passenger or Has a Passenger in the Car
Once the driver has accepted a ride request or has a passenger in the car, Lyft provides $1 million in third-party liability coverage and uninsured/underinsured motorist coverage.
This means if you’re injured as a passenger, you should be covered under Lyft’s insurance. However, filing a claim and actually receiving compensation can be challenging.
Common Lyft Insurance Issues Passengers Face
Despite Lyft’s $1 million coverage, passengers often run into difficulties when trying to file a claim. Here are some of the most common issues:
1. Lyft’s Insurance Company Delays or Denies the Claim
Insurance companies often try to minimize payouts. Lyft’s insurer may:
- Argue that your injuries are not severe enough to warrant compensation.
- Delay the claims process to pressure you into accepting a lower settlement.
- Claim that another party (such as another driver) is responsible for paying.
2. The Driver’s Personal Insurance Company Denies Coverage
Even though Lyft provides coverage, some drivers may not have proper rideshare insurance. If the driver’s personal insurance company finds out they were using their car for Lyft without a commercial policy, they might deny the claim entirely.
3. Lyft Claims Another Driver Is at Fault
If another driver caused the accident, Lyft might try to shift responsibility to that driver’s insurance. If that driver is uninsured or underinsured, you may struggle to get full compensation.
4. Uninsured/Underinsured Motorist Issues
If the at-fault driver doesn’t have enough insurance to cover your injuries, Lyft’s uninsured/underinsured motorist coverage should step in. However, passengers often have to fight to prove they are eligible for this coverage.
What to Do If You’re Injured in a Lyft Accident
If you’re hurt while riding in a Lyft, taking the right steps can help protect your claim:
- Seek Medical Attention Immediately – Even if you don’t feel seriously injured at first, see a doctor. Some injuries take time to appear, and medical records are key evidence for your claim.
- Report the Accident to Lyft – Use the Lyft app or contact customer support to report the accident as soon as possible.
- Gather Evidence – Take photos of the accident scene, your injuries, and any visible damage to vehicles. Get witness contact information if possible.
- Request a Copy of the Police Report – If law enforcement responded to the crash, their report can help prove fault and liability.
- Don’t Accept a Lowball Offer – If Lyft’s insurance company contacts you with a settlement offer, don’t accept it before consulting a lawyer. Insurance companies often offer less than what you deserve.
- Consult a Rideshare Accident Lawyer – A lawyer can help you navigate Lyft insurance issues when you are hurt as a passenger, negotiate with insurers, and ensure you receive full compensation.
How a Rideshare Accident Lawyer Can Help
An experienced Lyft accident lawyer can:
- Investigate Liability – Determine who is responsible for the accident and which insurance policies apply.
- Handle Insurance Negotiations – Fight against unfair claim denials and lowball settlement offers.
- File a Lawsuit if Necessary – If Lyft’s insurer refuses to pay, your lawyer can take the case to court.
- Maximize Compensation – Ensure you receive full damages, including medical bills, lost wages, and pain and suffering.
Get Legal Help for Your Lyft Accident Claim
If you’ve been injured in a Lyft accident and are facing Lyft insurance issues, don’t handle it alone. At M&Y Law Company, we have extensive experience helping rideshare passengers fight for the compensation they deserve.
📞 Call us today for a free consultation or fill out our online contact form to discuss your case. We’re here to help you every step of the way.
