How Do Lyft Insurance Policies Work in Illinois?
Confused by Lyft insurance claims? Our Chicago attorneys can help
If you’re driving for Lyft in Illinois or riding as a passenger, it’s important to understand how Lyft’s insurance works. A rideshare accident can leave you with serious injuries, but filing a claim can be a confusing process.
That’s why you need a legal advocate on your side who can sort it out for you and steer you in the right direction. Keating Law Offices understands how Lyft insurance claims work and how to get maximum compensation for our clients. To find out how we can protect your rights, contact us for a free, no-obligation consultation today.
“They said they didn’t want to leave a cyclist behind and were trying to get justice. I’m thankful to everyone in the bike community and the attorneys for supporting me.” – A.B., ⭐⭐⭐⭐⭐
Who is covered under Lyft’s insurance?
Lyft’s insurance policies potentially provide coverage for all parties involved in a Lyft-related crash. Insurance coverage is very fact specific and it is important to discuss your claim with an attorney right away so that an investigation can be done and all the necessary evidence discovered as soon as possible.
Here’s who may be covered:
Drivers
If you’re a Lyft driver and you’re involved in a crash while the app is on, Lyft may provide coverage in addition to any insurance coverage that you as a driver have on your own.
Passengers
If you’re riding in a Lyft and there’s a collision, at a minimum you’re covered under Lyft’s $1 million liability policy and its uninsured/underinsured motorist protection.
Third parties
Pedestrians, bicyclists, or drivers in other vehicles may also be covered under Lyft’s insurance if a Lyft driver is at fault.
What are the Lyft insurance requirements during a crash?
In Illinois, the state regulates rideshare insurance through the Transportation Network Providers Act (625 ILCS 57), which outlines minimum insurance requirements for Lyft. Here’s the different “Periods” on the Lyft app. It is imperative to discuss the specifics of your case with an attorney as there are many variables that go into determining what Period is at play and the role Lyft itself may have had in a crash.
Period 0: App off
When the Lyft app is turned off altogether, it is particularly important to find out how soon before the crash the app was turned off and for how long the driver was on the app before the crash. The driver’s personal auto insurance policy must also cover any accidents that happen during this time.
Period 1: App on, no passenger request
When the driver turns on the app and is waiting for a ride request, a Lyft insurance policy provides insurance coverage.
Period 2: Ride accepted, on the way to pick up
Once the driver accepts a ride request and is en route to pick up the passenger, Lyft provides liability insurance coverage. This also includes:
- Uninsured/underinsured motorist (UM/UIM) protection
- Contingent comprehensive and collision coverage for the driver’s vehicle (if the driver also carries this type of coverage on their personal policy), with a $2,500 deductible
Period 3: Passenger in the vehicle
There is insurance coverage for the passenger. This level of insurance coverage may include:
- Third-party liability coverage
- UM/UIM protection for passengers and others
- Collision and comprehensive for the driver’s vehicle, if applicable
Our Chicago legal team fights for the compensation you deserve after a Lyft accident
If you were hurt in a Lyft accident in Chicago, pursuing an insurance claim can be confusing. That’s where the experienced Lyft accident attorneys at Keating Law Offices come in. We understand how Lyft’s insurance policies work in Illinois, and we know how to fight back when insurance companies try to delay, deny, or downplay your claim.
Our legal team can investigate your crash thoroughly to build a strong, evidence-backed case. If you were in a Lyft crash, we know how to pursue full and fair compensation for your injuries, lost income, pain and suffering, and long-term care. We don’t back down from corporate America nor big insurance companies, and we never settle for less than you deserve.
Getting an attorney involved early can make a major difference in the outcome of your Lyft insurance claim. Plus, there’s no risk in reaching out and you don’t owe us any money unless we get full compensation for you. To find out how we can help you, contact us today for a free consultation. We can answer your questions and help you explore your legal options, obligation-free.
