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Lyft's InsuranceLyft has gained significant popularity as a convenient and user-friendly ride-sharing alternative, appealing to a wide range of customers. However, Lyft accidents are becoming increasingly common on the roads in Los Angeles. Navigating the aftermath of a car accident involving a Lyft vehicle can be complex, especially when it comes to understanding insurance coverages and your rights as a crash victim. Below, Law Offices of Samer Habbas & Associates, PC Lyft accident lawyers provide an overview of the key aspects of Lyft’s insurance policy. This information can help accident victims better understand their options and the protections available to them as a result of the harm they’ve suffered.

Coverage When The Lyft App Is Off

When your Lyft driver is not logged into the app, their personal auto insurance is what will apply if a crash occurs. This means that any incidents that occur during this time are not covered by Lyft’s insurance policies, only the driver’s personal insurance and the insurance policies of anyone else involved if a crash occurs. California law mandates that a driver have at least the following insurance coverage: $15,000 in bodily injury coverage for each person involved in an accident; $30,000 in body injury coverage for each accident; and $5,000 in property coverage.

Lyft Insurance When The Driver Is Waiting For A Ride Request

Once the driver logs into the Lyft app and is waiting for a ride request, Lyft’s insurance kicks in. This includes third-party liability insurance for covered accidents, provided that the driver’s personal insurance does not apply. The coverage amounts are:

  • $50,000 for bodily injury per person
  • $100,000 for bodily injury per accident
  • $25,000 for property damage per accident

Coverage During Lyft Rides

The insurance coverage changes once you are picked up for your Lyft ride. During the ride, Lyft maintains:

  • A minimum of $1,000,000 for third-party auto liability, covering bodily injury and property damage. This acts as primary coverage from the time the ride is accepted until its conclusion.
  • Various first-party coverages which may include uninsured motorist coverage, personal injury protection (PIP), and more.


Lyft may also maintain uninsured motorist (UM), underinsured motorist (UIM), personal injury protection (PIP), and other coverage. These coverages apply in specific situations, such as accidents involving uninsured drivers (e.g., you are in a Lyft vehicle that is struck by another driver who lacks insurance).

Contact Law Offices Of Samer Habbas & Associates, PC Los Angeles Lyft Accident Lawyers

Lyft’s insurance coverage provides substantial protection for riders during different phases of their ride. With that said, there is a lot of variability that comes into play when a Lyft crash occurs. As you can see from the information noted above, a number of policies and restrictions may apply depending on who was at fault and the timing of the wreck. This is just one of the many reasons why it’s so important to connect with an experienced attorney if you’re involved in a crash.

Law Offices of Samer Habbas & Associates, PC focus on rideshare accident cases and are well-versed in Lyft accident claims. Reach out to us at (949)-727-9300 or online to schedule a consultation with a knowledgeable Lyft accident lawyer today. We’re here to help you understand your rights and fight for the compensation you deserve.

To learn more about auto accident claims, click here.

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