When Lyft drivers cause accidents while actively transporting a passenger, you know how it works: you contact the insurance provided by Lyft while they are on the clock. That insurance then pays the fees associated with your accident: damage to your vehicle as well as your medical bills, lost time at work, and other expenses associated with the accident.

What if the Lyft driver doesn't have a passenger at the time of the accident? Does Lyft insurance still cover them?

Rideshare Driver Insurance: The Basics

Rideshare drivers, like other drivers, carry basic car insurance that covers them any time they're in the car. Most rideshare drivers don't just use their vehicles for rideshare driving. They also use them for personal uses: running their own errands, getting to and from work or school, or simply puttering around town. 

When they drive completely off the clock--that is, they are not working for Lyft in any capacity--drivers use their personal car insurance to cover them in the event of an accident. Personal liability insurance will pay for the damage to your vehicle, up to the limits of their policy, as well as offering some coverage to help with your medical expenses or to cover your missed time at work because of an accident. Comprehensive insurance or collision insurance will provide coverage for their vehicle along with yours. 

When a driver is working for Lyft directly--that is, they have a passenger in the car--they are covered by Lyft's comprehensive insurance policy. This policy offers coverage regardless of who is at fault for the accident and will help cover injuries to any Lyft passengers, your injuries, and damages to your vehicle. 

If the Lyft driver is running their app but has not accepted a passenger, they are still covered by Lyft insurance. The contingent collision policy, according to Lyft, provides coverage "when the app is in driver mode before you've received a ride request in the event your personal insurance does not respond." In this case, the driver still has coverage (even if they don't have personal insurance), and you have options for ensuring that the accident is paid for. 

How Should You Proceed After an Accident with a Lyft Driver?

After an accident with a Lyft driver, regardless of whether they had a passenger at the time of the accident, start by collecting the same information you would collect from any other driver: license information, contact information, and insurance information. The Lyft driver may not carry a little card in their wallet that lets you know what coverage they have on their Lyft insurance policy; instead, they may need to give you a screenshot from the app with their policy number, driver number, and other relevant information. Store this information on your phone or in another location where you won't lose it since it will help you obtain coverage. 

If you suffered only minor injuries in the collision, contact your insurance company. Provide them with access to that information. You may need to make a statement about the accident, which you should write down as soon as possible before those events become scattered in your mind. 

If you suffered serious injuries, on the other hand, you may need a lawyer who specializes in Lyft accidents to help navigate the claims process. A lawyer can often increase the compensation you're able to receive from the accident and make it easier for you to collect evidence or prove the extent of your injuries. 

Did you suffer injuries in a crash with a Lyft driver, either on or off the clock? Contact us today to learn more about how we can help.