Lyft, the ride-sharing service, is very popular. It is most popular among three demographics: 18- to 29-year-olds, commuters and the more affluent. Regardless of its popularity, a relatively new service like this brings with it new legal questions or problems.
Car accidents involving Lyft drivers are common. When they happen, things can get complicated because Lyft drivers use their own vehicles. Things can get more complex depending on the status of the Lyft driver, were they on- or off-duty?
The primary issue with ride-hailing companies is determining accident liability. Lyft is a platform and it does not provide transportation – the independent driver offers the actual service.
Thankfully, Lyft passengers have protection if they are involved in an accident. When a driver accepts a fare, and that passenger is in the vehicle, Lyft then provides up to $1 million in insurance (supplemental secondary insurance). This means that in the event of an accident, you can file a claim against the Lyft driver’s insurance to cover your injuries. When the amount of that insurance is tapped out, you may file a claim with Lyft to cover the rest of your losses and expenses – with the requirement that the injuries are not greater than $1 million.
Lyft drivers are protected by insurance if they are in between fares, but the amount of coverage typically drops to about $100,000. This is considered to be secondary insurance, meaning it only goes into effect when the driver’s primary insurance is over its limit. The other issue here is that not all insurance companies provide insurance if a driver is operating their vehicle “for hire.”
How to minimize the chances of being in a Lyft collision
- Thoroughly check out driver ratings
- Share your trip information with others
- Sit in the back seat
- Wear a seat belt
- Do not distract the driver
- Travel with others when you can
- If you have been drinking, make sure you have someone with you
- Track the driver’s map with yours to make sure you are going where you want to go
- If the driver appears to be under the influence, is driving erratically or is aggressive call 911
Hessig & Pohl are highly experienced personal injury attorneys who know how to handle Lyft accidents. Our primary concern is making sure you get fair and equitable compensation for your accident. They do not quit until they get justice. Call us today for your free consultation at (502) 777-1111, there is no fee unless we win.