Driving for Lyft can be a fun and financially rewarding experience. But what happens if you are involved in an accident while driving for Lyft?
Negretti & Associates has prepared this guide to Lyft driver accident claims as a means of outlining potential issues that may arise when filing a Lyft car accident claim, as a driver.
If I get into accident when driving for Lyft, how do I file a claim with Lyft insurance? Should I report the accident to Lyft, even if the accident isn’t my fault?
Depending on your driver status at the time of the accident, you may have a requirement — pursuant to your agreement with Lyft — to report any accident to Lyft and cooperate with Lyft in their investigation of your accident.
The best way to report a claim is either through the Lyft website or through the Lyft app. However, you should be careful about what you write, because your statement could be used against you. For example, it is normal to understate injuries right after an accident. Often, it takes a few weeks under medical supervision to fully understand that scope of your injuries. If you were to tell Lyft claims that you don’t think you were hurt, and later make a claim for your injuries, they could use your statement against you to challenge the legitimacy of your damages.
That said, Negretti & Associates urges you to contact us before making a Lyft driver accident claim. We understand the ins-and-outs of rideshare contracts. A 15-minute phone call with us could save you thousands of dollars in losses.
Does Lyft cover drivers in an accident?
Yes and no. It depends on your status as a driver when the accident occurs.
- Coverage when driver mode is off: your personal insurance policy applies.
- Coverage when driver mode is on, but no ride accepted: 50/100/25 coverage, through Lyft ($50,000 per-person bodily injury liability coverage / $100,000 maximum bodily injury liability coverage / $25,000 property damage liability coverage).
- Coverage from when ride accepted, through the time when the ride ends: $1,000,000 coverage per accident.
Who handles Lyft driver accident claims? What role does Lyft customer service claims play in the accident process?
Lyft typically employs a claims handling company to process all accident claims. These claims handling companies are not in business to help you. This may be surprising, considering you were driving for Lyft at the time of your accident!
Lyft and their claims handling company will be particularly critical of your claim. Do not make the mistake of thinking that Lyft is there to help you in the event of an accident.
How long will Lyft take to settle my injury case? What is the processing time for Lyft driver accident claims?
This really depends on you and how quickly you recover. At Negretti & Associates, your recovery is our primary concern. Once you get better, our focus becomes making sure you can resolve your Lyft claim fairly. It may take you months or even years to recover from your injuries. We want to ensure that you do everything you can to get yourself better before we attempt to resolve your Lyft claim.
What role does York Risk Services serve in Lyft claims? What does Indian Harbor Insurance Company do with Lyft claims?
The companies are hired by Lyft to process your claim. They have incentives to keep settlements low and avoid paying fair value, unless compelled to do so. These companies have been known to misrepresent their role in the claims handling process by stating that they have been hired by Lyft to take care of you. Do not be fooled by these statements.
What can I do if Lyft’s insurance company isn’t acting fairly or not responding to me?
Contact us. Not only are we familiar with Lyft and their claims handling process, but we can also use our skills to convince Lyft to respond in a timely fashion and resolve your claim for a fair amount.
If you have been involved in a Lyft car accident as a driver, it is important to contact an attorney at Negretti & Associates for a free consultation. Call us at 602-531-3911 in Arizona, 619-777-3370 in California, or 720-636-3444 in Colorado. Or, you can click here to contact us with our online Get in Touch form.