A Lyft accident is complicated by multiple layers of insurance and responsibilities. Whether you were scrolling in the backseat, or steering the wheel, the chaotic aftermath leaves you with more questions than answers. Start with moving yourself to safety, then protect your story, and ultimately file a claim.
If you’re overwhelmed, that’s where we come in. You don’t need to be lectured on insurance law. You need a team that’s already in your corner. Review this guide for your next ride with Lyft. And, if you’ve just suffered a Lyft accident, be sure to book a free case review with our team.
Immediate Steps to Take at the Lyft Accident Scene
Rideshare services are a part of everyday life, whether commuting to work or traveling in a new city. Unfortunately, rideshare companies like Lyft can never guarantee a safe ride, every time. So, what do you do after an accident with a Lyft vehicle?
- Your safety is a priority. Move to a safe location, like off the road.
- Call 911 to report the accident.
- Seek medical treatment as quickly as possible. Any documentation could help your claim.
- Take photos and gather info. Get the driver’s name, license plate, and insurance details. If there are witnesses, get their contact info too.
- Hire a personal injury attorney before making any statements to Lyft or their insurance company. Legal guidance makes the claim process easier. An attorney also protects your claim long-term.
If You Were the Lyft Passenger: Who Pays Your Medical Bills?
When you’re in the backseat of a Lyft, you expect to get from point A to point B safely. You weren’t the one behind the wheel. Why should you be the one stuck with the medical bills?
If your Lyft driver is at fault, or another driver hits your Lyft, a $1 million policy often covers injuries. But never expect an insurance company to hand over what they owe you. Their goal is to protect their record profits, not your health. We make sure they respect your rights and pay the full value of your claim.
Insurance disputes often abandon Lyft passengers. When you file a claim, you take the first step towards seeking compensation.
Why You Should Never Give a Recorded Statement to Lyft’s Insurance
An insurance adjuster works for the rideshare company, not you. Instead of advocating for you, they protect the company. They’re trained to find reasons to deny your rideshare accident claim. Meet with an experienced Lyft lawyer before speaking to the company further.
Beware of the “Fast Cash” Offer
Insurance adjusters are experts at timing. They know that a week after an accident, you are likely stressed about a damaged car and growing medical costs. They might offer you a settlement check that seems helpful at the moment.
However, once you cash that check, your case is over. If you discover a hidden injury after your Lyft accident, like a herniated disc or a concussion, you cannot go back for more. An attorney helps you slow down and look at the full extent of your injuries. They make sure the settlement covers your future needs, not just your current stress.
Alexander Shunnarah Trial Attorneys has more than 20 years of confronting insurance companies. We make sure you aren’t leaving money on the table that you will need for your recovery down the road.
If You Were the Lyft Driver: Navigating the “Period” System
All Lyft drivers are required to have auto insurance that meets their minimum state coverage. Driver availability and a specific time “period” define most Lyft accidents. If you suffer an accident as a Lyft driver, you need to consider what you were doing at the time.
Period 1
The driver has the mobile app on, but no passenger is assigned.
Lyft’s insurance typically does not apply; instead, the driver’s personal auto insurance coverage applies.
Period 2
The driver is en route to pick up a passenger.
Lyft’s full $1 million liability coverage is active, plus uninsured/underinsured motorist (UM/UIM) coverage.
Period 3
The driver has a passenger in the vehicle.
Lyft’s full $1 million liability coverage is active, plus uninsured/underinsured motorist (UM/UIM) coverage.
Understanding the Insurance Gap
If you drive for Lyft, you probably rely on your personal auto insurance for everyday life. But many drivers do not realize that most personal policies have a “business use” or “rideshare” exclusion.
This means if you are logged into the app, even if you do not have a passenger yet, your personal insurance provider might deny your claim entirely. This leaves you in a dangerous middle ground where your personal insurer says “no” and the rideshare company says “not yet.” This is a gap where no one wants to take responsibility.
We understand these policy loopholes and work to ensure that insurance companies cannot point fingers at each other while you are left holding the bills.
Common Injuries in Rideshare Accidents
A rideshare accident could affect many people, including the driver, passengers, and pedestrians. Lyft accident claims often list injuries ranging from minor scrapes to head trauma. Then, the survivors suffer piling medical bills, lost wages, and pain and suffering.
As a passenger, you can sue Lyft for compensation for both injuries and other losses. You just need an attorney who understands the complexities involved.
How We Could Fight for Your Lyft Accident Lawsuit
Alexander Shunnarah Trial Attorneys is a nationwide firm practicing in more than 25 states. With more than 20 years of legal success, we have the skills and experience to represent you. When a car accident hurts you, or an insurance company minimizes your pain, we get to work.
Our law firm handles the aggressive insurance adjusters and the complex legal “periods”, so you can focus on getting better. We are not afraid to take a risk for what we believe in, and we believe in getting you every dime you deserve.
The clock starts ticking as soon as possible after a Lyft accident. Don’t wait any longer. Contact our law firm today at 800-229-7989.
