What If My Lyft Driver Hits Another Car?

April 19, 2022

You should be covered under the insurance policy of the driver if you suffered injuries while riding a Lyft driver’s vehicle. In general, insurance coverage for vehicle accidents involving injured passengers can come from the at-fault driver’s insurance provider, whether it is your Lyft driver’s insurer, the insurance coverage of another motorist who caused the accident, or Lyft’s liability insurance.

Who is Liable for My Damages?

Your Lyft driver’s insurance policy must cover your injuries if they have a policy that covers accidents while they are working as a rideshare driver. On the other hand, most Lyft drivers may not have their own personal or commercial auto insurance plan that will sufficiently cover your losses.

Likewise, your Lyft driver’s personal insurance plan may have what’s called a business use exception provision that will not cover injuries and damages that arise while they are using their vehicle for profit. If your Lyft driver’s insurance will not cover your damages, fortunately, Lyft provides third-party liability insurance for their drivers when they are carrying a passenger. This coverage can pay up to $1 million for property damage and personal injuries for each accident.

But it’s crucial to note that Lyft’s insurance coverage will only be triggered after your driver’s personal insurance coverage has been used up to its limit, assuming that they have the right coverage, which is required by Lyft. As an injured passenger, you must be covered by Lyft’s liability coverage when your Lyft driver caused the crash.

What If My Lyft Driver Was Not at Fault?

If your Lyft driver hits another car but did not cause the accident, you can pursue compensation from the driver that caused the crash through a third-party auto insurance claim against their insurance provider or a personal injury claim. But if the driver does not have auto insurance coverage or the coverage, they have is not sufficient for all your damages, you can try seeking compensation from Lyft’s uninsured or underinsured insurance policy.

Lyft’s uninsured or underinsured coverage can cover up to $1 million per accident. However, this only applies if the at-fault driver flees or is unknown, does not have auto insurance coverage, or does not have adequate coverage.

Talk to a Skilled Ventura Lyft Accident Attorney

If you have suffered injuries in a Lyft accident, whether your Lyft driver or another motorist was at fault, reach out to Bamieh & De Smeth for legal guidance. Our Ventura Lyft accident attorney will investigate the Lyft accident to determine who should be held liable for your losses, represent you in negotiations with insurance providers, and ensure that you receive fair compensation.

Whether through an insurance settlement or trial in court, our Ventura Lyft accident attorney is dedicated to securing the best possible results for your case. You can schedule your free case review with our Ventura Lyft accident lawyer by calling our office at 805-643-5555 or filling out our online form.