When rideshare vehicles get involved in crashes, it can initially seem difficult to figure out who is responsible. Is a driver responsible for Lyft accident injuries or should Lyft itself pony up for medical expenses? Fortunately, there is an insurance policy that covers drivers and passengers of Lyft cars when an accident occurs. A San Antonio, Texas Uber/Lyft accident lawyer from our firm can help you figure out how you are covered and what kind of compensation you can receive.
What Are Some Common Lyft Accident Injuries?
Lyft accident injuries are distressingly common. Crashes can easily result in:
- Broken bones
- Cuts and lacerations
- Traumatic brain injuries and concussions
- Spinal cord injuries
- Whiplash
- Organ damage
- Internal bleeding
Any of these injuries can require continued medical care. That can get expensive quickly, and your financial situation can rapidly get worse if you are forced to miss work while you recover from the accident. This is why it’s important to note whose insurance policy covered you at the time of the crash.
Whose Insurance Coverage Pays For Lyft Accident Injuries?
If you were the passenger in a Lyft that you called, you should be covered under Lyft’s insurance policy. This policy has a high limit and multiple types of coverage, so making a claim with the rideshare company itself is often your best option here.
Their policy kicks in when a driver is transporting a fare, when a driver is on their way to picking up a fare, or when the driver has the app on looking for a fare. This means that a driver who gets injured in an accident while using the app should also be covered by the rideshare company’s insurance policy.
A potential complication arises if another driver contributed to the accident in any way. You may be able to make a claim against that driver’s insurance policy as well if you were a driver or passenger who suffered Lyft accident injuries.
Are There Limits to Lyft’s Insurance Coverage?
The Lyft insurance policy offers up to $1,000,000 in third-party liability coverage. The policy also offers different types of coverage for the passengers and drivers of a rideshare vehicle, like underinsured/uninsured motorist coverage and personal injury protection.
However, a Lyft driver should know that the policy covering them changes when they are waiting on a ride request. If they get into an accident and they are not on the way to a fare or transporting a fare, a less robust third-party liability policy that meets state minimum requirements will kick in. You also have to rely on your own insurance coverage if you get into a crash while your app is off.
Schedule a Free Consultation
If you or a loved one suffered from Lyft accident injuries, contact Sahadi Legal Group. We can schedule a free consultation and go through your claim with you. If we think that you have a case, we can help you fight for the compensation that you deserve.
