Being injured in a car accident while traveling in a Lyft or after being struck by a Lyft-affiliated driver can make your car accident even more complex than any other type of auto wreck. This is, in part, because Lyft has its own auto insurance, but it only takes effect during specific scenarios.
While you can certainly sue Lyft if you are involved in an accident, the question then becomes: Will they pay? Continue reading to learn more about when Lyft’s auto insurance will cover your costs and the steps you can take if Lyft’s auto insurance refuses to cover your damages.
When Lyft Is Liable for Rider Injuries
In order for Lyft’s $1 million insurance policy to cover certain damages in the event of an accident with one of its affiliated drivers, specific requirements must be met. These are listed below.
- The Lyft driver must be in driver mode.
- They must be awaiting a passenger.
- They must be on their way to pick up a rider.
Once a Lyft driver exits driver mode, you should consider them as you would any other driver on the road. Lyft drivers are obligated to carry their own auto insurance coverage in addition to the coverage provided by Lyft in the situations above.
If you’re injured in an accident in any of the previously mentioned situations, Lyft’s insurance should cover certain losses, including medical expenses and property damage. But, if Lyft’s insurance refuses to pay where they should, you can bring a claim against them to recover the damages you have endured.
What to Do When the Insurer Won’t Pay
If the insurance company refuses to settle your claim, despite meeting the requirements as outlined above, a lawsuit may be appropriate.
But, you may also need to file a personal injury lawsuit even if the insurer does settle your claim, as various losses either won’t be covered in full by the insurance company or at all. Some of the losses that are not commonly covered by the insurance company include the following.
- Pain and suffering
- Loss of enjoyment of life
- Lost wages and earning capacity
- Scarring and disfigurement
- Loss of companionship and love
- Mental anguish
- Loss of household services
If you are not being fairly compensated by Lyft’s insurance provider, filing a lawsuit against Lyft or their affiliated driver may be the best way to secure maximum repayment of your financial and non-financial losses.
Get Help from a Lyft Accident Lawyer
If you have been injured in an accident with a Lyft-affiliated driver and you aren’t sure what your next steps should be, a qualified NYC Lyft accident lawyer at Greenstein & Milbauer, LLP may be able to help you obtain the compensation you deserve.
Our firm proudly offers free consultations to injury victims across the city. You can take advantage of this opportunity by submitting the quick contact form on our website or by giving our office a call at 1-800-VICTIM2 (842-8462).