Lyft offers a sliding scale of insurance coverage to the drivers using its app. Your right to benefit from that coverage will depend on a driver’s status at the time of your collision. Fortunately, you don’t have to unravel the mysteries of Lyft’s insurance coverage on your own. A Fort Lauderdale Lyft accident lawyer can help you determine your right to post-accident support.
Because Lyft’s insurance coverage varies based on a driver’s use of its app and passengers’ presence in a car, your insurance claim might get stuck in bureaucratic limbo. Sometimes, an independent driver may have to default to their personal coverage to help you financially recover from a serious collision.
The sooner you can schedule a rideshare accident case consultation with our legal team, the easier it will be to figure out what kind of coverage Lyft has and which provider you need to contact for support. Our team can even help protect your right to take a rideshare accident case to civil court.
Lyft Requires Its Drivers to Invest in Insurance
Drivers who work with Lyft must have enough auto insurance to meet Florida’s minimum state coverage requirements. Drivers can also invest in additional rideshare insurance coverage to protect themselves from the financial fallout of a serious accident.
Lyft will not let drivers without insurance start picking up passengers.
Lyft Provides Insurance Coverage to Qualifying Drivers
To break down what kind of coverage Lyft has, we have to address how Lyft varies its available coverage based on a driver’s behavior.
Coverage Without Using the Lyft App
If a driver isn’t using the Lyft app at the time of an accident, that driver must rely on their own insurance to cover a liable party’s losses. Renting a car through Express Drive allows you to benefit from what Lyft’s insurance FAQ calls its “standard insurance inclusions.”
Coverage When Using the App and Accepting Ride Requests
Drivers who are using Lyft’s app and looking for passengers benefit from liability coverage that provides them with:
- $25,000 per accident for property damage
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
Coverage When Drivers Have Passengers or are Picking Passengers Up
In Florida, if a Lyft driver has passengers in their car or has accepted a ride and is on the way to pick up those passengers, Lyft will provide them with at least $1,000,000 in liability coverage, with variations accounting for different states’ insurance requirements. This can include:
- First-party coverages, including PIP and uninsured and underinsured motorist coverage
- Occupational accident coverage
- Comprehensive and collision coverage to match a driver’s personal insurance policies, with a deductible of $2,500
Can You File an Insurance Claim With Lyft After a Serious Accident?
Based on Lyft’s array of insurance coverage, you should have the right to file a claim for support following a collision with one of their drivers. However, it’s not always easy to get insurance adjusters to take your accident losses seriously.
If you’re struggling to make an adjuster acknowledge the cost of your recovery or if Lyft’s provider turns down your claim without due consideration, an experienced rideshare accident lawyer in Fort Lauderdale can take your case. Our legal representation helps you provide the evidence you need to make your case and argue for the compensation you need to heal.
We can also prevent Lyft’s insurer from trying to pass your claim off to a driver’s independent provider. If your claim gets stuck in bureaucratic limbo, we can help you move conversations about your right to compensation forward and put an end to bad-faith attempts to delay your recovery.
Can You Sue Lyft After a Serious Accident?
If Lyft’s insurer won’t acknowledge your right to fair compensation, or an independent driver’s provider refuses to take responsibility for your losses, it doesn’t matter what kind of coverage Lyft has. You can work with our legal team to sue for rideshare accident damages.
We can break down your right to legal action based on the logistics of your case and how Lyft and its insurers have treated your requests for support.
Call or text 800-602-5000 or complete a Free Case Evaluation form
When Should You Contact a Fort Lauderdale Rideshare Accident Lawyer?
The sooner you can contact our legal team after a Lyft accident, the easier it will be to discuss what kind of coverage Lyft has, how you can benefit from that coverage, and what steps you can take to recover if Lyft and its provider won’t acknowledge your right to support.
Our legal team offers free case consultations to rideshare accident victims and standards ready to connect you with a Fort Lauderdale car accident lawyer who can represent your best interests.
Don’t Let a Rideshare Accident Ruin Your Life
Lyft has insurance policies in place designed to make it easier for drivers and passengers to recover from serious accidents. However, Lyft can also go to significant lengths to get out of supporting accident victims or the drivers who need its insurance coverage.
If you need help asking Lyft’s insurers or a third party’s provider responsible for the compensation you need to heal from a rideshare accident, don’t go it alone. You can connect with an experienced personal injury lawyer in Fort Lauderdale and file a claim that accurately addresses all of your post-accident expenses.
Our legal team has helped secure over $250 million on behalf of accident victims throughout Florida. We know what tactics insurers can use to minimize your losses or wrongfully deny your claims. We can negotiate for support on your behalf while preserving your right to fight for compensation in civil court. Book a free case consultation with us today to learn more.
