What happens if your LYFT gets in an accident?
If you are riding in a LYFT as a passenger, you can file a lawsuit against the company for your injuries. California requires ride share companies like LYFT and Uber to provide commercial insurance policies for their drivers. These policies apply from when you enter the vehicle until you exit it. If your driver gets into an accident, then you can recover through LYFT’s insurance policy — instead of your recovery being dependent on whether the individual driver has good insurance.
LYFT is subject to the same insurance coverage requirements as Uber: $1 million per incident for bodily injury or property damage and $1 million in uninsured and underinsured motorist coverage. This coverage applies to both passengers and third parties who are in a crash with a LYFT driver.
In addition, if a LYFT driver (or a driver for another ride share company in California) has the app open and is waiting for a passenger, then LYFT must provide coverage through its policies. This includes $50,000 for death and personal injury per person, $100,000 for death and personal injury per incident, $200,000 in liability insurance for the driver, and $30,000 for property damage. If a driver is on their own time — and not using the app — then you can only recover through their personal car insurance.