Protecting Your Rights in Lyft Insurance Claim as a Passenger

driver's personal insurance policy, personal auto insurance coverage

Using Lyft as a daily commute can be a convenient and cost-effective way to get around. However, like any form of transportation, accidents can occur, leaving you injured and unsure how to proceed. However, insurance claim involving Lyft vehicles can be overwhelming.

To protect your legal rights and to secure a fair compensation, you’ll need to gather comprehensive information about the accident for evidence. This may involve gathering photos, witness statements, and the contact information of all parties involved, including the Lyft driver. 

In addition to claiming for physical injuries, you are entitled to compensation for the emotional trauma experienced as a result of the accident. This is where the expertise of a personal injury lawyer becomes invaluable. .

At Uptown Injury Law, PLLC, we specialize in Lyft accident claims. Our team of seasoned attorneys is dedicated to providing expert guidance throughout your legal journey. We’re here to support you every step of the way. To get started, call us toll-free at  917-540-8728 and schedule a free consultation with our legal team.

Are You Protected as a Passenger in a Lyft Insurance Claim?

Yes, as a passenger, you are protected in a Lyft insurance claim. Lyft provides insurance coverage to both drivers and passengers in response to Lyft accident claims. However, it’s essential to remember that in case of a severe accident, Lyft’s insurance coverage may not be sufficient to cover all damages. In such cases, you may need to pursue additional insurance coverage to ensure you are under complete protection.

If you find that Lyft’s insurance policy does not fully cover the damages, you can make a personal injury claim against the driver or seek out your own no-fault benefits in New York City. By taking these steps, you can ensure that you receive your rightful compensation and that your rights as a passenger are fully protected.

How Does Lyft Insurance Work in Case of an Accident?

Lyft provides insurance coverage for up to $1 million per accident for you and the Lyft driver. If the Lyft driver is at fault, this coverage will pay for damages and injuries suffered by you as a passenger, pedestrian, or other driver involved in the accident.

Additionally, Lyft must provide uninsured motorist coverage and no-fault insurance coverage. Uninsured motorist coverage protects you in an auto accident caused by an uninsured driver. At the same time, no-fault insurance coverage provides medical expenses even when the Lyft driver isn’t at fault.

Let’s look at how different types of insurance policies are applicable in Uber or Lyft passenger injuries:

The Driver’s Commercial or Personal Insurance Policy

The first line of defense in a Lyft accident is the driver’s commercial or personal insurance policy. If the driver has a policy that includes a rideshare provision, it may cover your injuries. However, not all personal car insurance policies include such coverage, and most exclude business use. This means that if the driver’s insurance company doesn’t cover your injuries, you may need to explore other options for compensation.

Fortunately, there are other avenues for seeking fair compensation if the driver’s insurance policy falls short. For example, you may also opt for Uber/Lyft insurance for additional coverage. 

The Rideshare Company’s Insurance Policy

In case the driver’s insurance policy doesn’t cover your damages, Uber and Lyft carry third-party liability insurance coverage. This coverage pays up to $1 million or more for the damages or bodily injuries caused during a ride. The amount of coverage can depend on the driver’s status during the ride. For instance:

  • En Route to Pick up Passengers or Dropping them: If the driver is en route to pick you up or drop you off at the destination, Lyft provides a minimum of $1 million as liability insurance coverage.
  • Online and Awaiting a Ride Request: Coverage includes up to $50,000 per person, $100,000 per accident for bodily injuries, and $30,000 for property damage.
  • Driver Not Logged In: Lyft does not provide insurance coverage in scenarios where the driver is not online on the app. In such cases, only his auto insurance coverage will be applicable.

However, Uber and Lyft company policies are secondary and come into effect after the driver’s insurance is maxed out, provided that the driver has valid insurance as required by the rideshare company. 

Third-Party Car Insurance Policy

If you were in an Uber or Lyft and the driver of another vehicle hit you, you can seek compensation by pursuing a claim with their insurance. The third-party liability coverage will cover you in such cases. You can win such claims with the help of a personal injury lawyer who has a history of similar settlements, such as those at Uptown Injury Law, PLLC.

Lyft’s Uninsured/Underinsured Motorist Coverage

During Lyft accident claims, there may be instances where the at-fault driver has no or insufficient insurance coverage. In such cases, the ride-sharing company’s uninsured/underinsured motorist (UM/UIM) coverage can come to the rescue, providing up to $1 million per accident. However, it is crucial to keep in mind that this UM/UIM coverage only applies in specific situations, such as:

  • The driver does not have car insurance.
  • At-fault driver has inadequate insurance.
  • The authorities couldn’t identify the driver (such as in the case of a hit-and-run).

Types of Damages You Can Recover in Lyft Settlement Claim

You might be eligible to claim several damages when you’re involved in an accident as an Uber or Lyft passenger. These fall into three primary categories: economic, non-economic, and punitive damages. 

The damages you can claim depend on multiple factors, such as your injury severity, the degree of liability, the driver’s history, and other unique aspects of your case. These factors influence the total financial compensation you might receive for your damages.

Type of DamageBrief DescriptionExample
Economic DamagesCosts directly related to the accident.
Medical ExpensesCosts for medical treatment.Hospital bills.
Emergency TreatmentCharges for emergency room visits.Immediate medical care.
Physical TherapyExpenses for therapy and rehab.Therapy sessions.
Lost WagesIncome lost due to not being able to work.Lost salary.
Lost Earning CapacityFuture work limitations due to the accident.Reduced future earnings.
Non-Economic DamagesCompensation for personal impacts of the accident.
Pain and SufferingCompensation for physical and emotional distress.Chronic pain.
Emotional TraumaPsychological impacts of the accident.PTSD, anxiety.
Reduced Quality of LifeImpact on daily activities and living.Difficulty in daily tasks.
Scarring or InjuryCompensation for permanent changes.Visible scars.
Loss of Limb or DisfigurementDamages for severe physical changes.Amputation.
Punitive DamagesIn cases of extreme negligence or recklessness.Reckless driving by driver.

How Do You File an Insurance Claim with Lyft? 

If you have been in an accident as a Lyft passenger, another vehicle’s driver, or even as a pedestrian or bicyclist, filing an insurance claim with Lyft is crucial. Begin by reporting the incident on Lyft’s website, which alerts the company about the accident. When providing details, focus on the basics, such as the time and location of the accident.

Furthermore, remember to be cautious when interacting with Lyft’s claims center representatives, as they solely represent Lyft’s interests. Stick to the facts and avoid discussing liability, accident specifics, or the extent of your injuries.

To safeguard your claim, consider hiring a personal injury attorney who can handle all communications with Lyft and their insurance company. Your lawyer will file the accident report and claim on your behalf. This approach minimizes the risk of making statements that could reduce the value of your claim. Thus, ensuring your interests are well-represented throughout the process.

Will New York’s No-fault Insurance Policy Affect My Claim?

Yes, New York’s no-fault insurance policy can impact your claim if you’ve been in an accident involving a Lyft vehicle. Under this policy, you can not claim against the at-fault driver. Instead, your own insurer compensates you for the damages you suffered in the accident.

The good news is that this policy ensures immediate coverage for basic expenses such as medical bills and lost wages. If you’re involved in a Lyft accident, you should promptly file a no-fault claim with Lyft’s insurance providers. Keep in mind to file the claim within 30 days of the incident.

However, the no-fault personal coverage is limited to economic losses and doesn’t extend to non-economic losses such as emotional suffering. In cases of severe injuries, you should seek additional compensation beyond the no-fault system by proving the other party’s liability.

Navigating the complexities of insurance policies in NYC can be challenging. That’s why it’s crucial to seek the help of a local attorney with experience in handling accident cases involving rideshare services like Uber and Lyft. 

At Uptown Injury Law PLLC, our team has over 15 years of experience dealing with personal injury claim, including NYC Uber and Lyft accident cases. Our attorneys will help you thrughtout the whole claims process and help you maximize your settlement. 

What Is the Deadline to File a Lyft Accident Claim in New York?

In New York, the deadline to file a Lyft accident claim largely depends on your claim type. For no-fault insurance claims, which cover immediate expenses like medical bills and lost wages, you generally have thirty days from the accident date to file a claim with the insurance company.

If you have to claim non-economic damages that your no-fault insurance didn’t cover (such as pain and suffering), the law allows up to three years from the accident date. 

However, it’s essential to note that these time frames can vary based on specific circumstances, so it’s advisable to consult with an expert personal injury attorney as soon as possible to ensure they file your claim within the appropriate deadlines.

How Much Time Does It Take to Resolve a Lyft Accident Case?

When resolving a Lyft accident case, the duration of the process can depend on the case’s specifics and the negotiation process. Initially, you must file your claim with Lyft and its insurer. After filing, the insurance company must respond within 40 days, which is just the beginning of a longer journey.

Once the initial response period is over, the settlement negotiations will likely begin. During this phase, both parties will work towards an agreement on the settlement amount. These negotiations can extend the timeline significantly, depending on the complexity of the case and the parties’ willingness to negotiate.

If liability is clear-cut, and your injuries and losses are straightforward, the settlement process can be relatively quick and wrap up in just a few months. But if there are disputes over liability or disagreements about the extent of damages sustained, the process can stretch out for a more extended period, sometimes taking several months to years.

Lyft insurance claim settlement

It’s important to remember that every case is unique, and there’s no one-size-fits-all solution for legal matters. That’s why it’s crucial to get in touch with an experienced attorney who can provide you with more specific guidance after reviewing your case for FREE. At Uptown Injury Law, PLLC, our Lyft attorneys have helped multiple clients get the compensation they deserve, and we’re confident we can do the same for you.

Is It Necessary To Hire a Lyft Accident Attorney? 

Hiring a seasoned attorney for a Lyft accident case can significantly benefit you in various ways. Here’s how an attorney can assist:

Investigating the Accident

An attorney can meticulously investigate the accident scene, interview witnesses, gather crucial documents, and reconstruct the event. This thorough investigation is vital for accurately presenting your case and gathering evidence that supports your claim.

Provides Legal Guidance For Your Accident Claim

Your lawyer will provide expert legal advice, inform you about your rights and options, and strategize the next steps in your case. Lyft and its insurers have access to extensive legal resources, so having your own attorney will ensure that you aren’t at a disadvantage.

Leveraging their Extensive Knowledge of Law

Rideshare accident claims can be complicated, often involving multiple legal issues. A knowledgeable attorney will identify these issues, research applicable laws, and use them to help your situation.

Determining Damages

Quantifying damages, especially non-economic ones like loss of life quality or pain and suffering, is challenging. An experienced attorney can help accurately calculate your damages, ensuring your claim is reasonable and just.

Negotiation Skills

Negotiating with a multinational company like Lyft and its insurers can be overwhelming. Attorneys have the expertise to navigate these negotiations and advocate for your best interests against companies that aim to minimize their liability and payouts.

Handling Legal Paperwork & Court Representation

Personal injury cases involve extensive paperwork, requiring specific formats and procedures. An experienced attorney will correctly prepare and file these documents while adhering to legal standards.

If your case leads to trial, your attorney will also represent you in court and present your case to a jury. This is crucial if settlement negotiations don’t yield a favorable outcome.

Thus, hiring a Lyft accident attorney can ensure your legal rights are protected, and you get a fair settlement. With their expertise, experience, and resources, an attorney can handle all intricacies of your case, from investigation to litigation, while you focus on your recovery. Contact an experienced Uptown Injury Law PLLC Lyft accident attorney today to discuss your case and secure the best possible outcome.

Hire Seasoned Uptown Injury Lawyers For Your Lyft Accident Case

Ready to get compensated fairly for your Lyft accident case? Don’t hesitate to schedule a free consultation with our team of experienced injury lawyers at Uptown Injury Law, PLLC. With over 15 years of experience, we operate on a no-win, no-fee basis, meaning we don’t charge you unless we win your case.

Our compassionate support and local expertise in the Bronx, Manhattan, Queens, Brooklyn, and the New York City Metro Area allow us to navigate the complexities of your case effectively. In addition, our commitment to do thorough investigation ensures that every detail of your case is examined, giving us a comprehensive understanding to build a strong case on your behalf.

Don’t wait another day to get the justice you deserve. Book an appointment online or call us toll-free at to schedule a free consultation today.


What Should You Do if You’re Involved in a Lyft Car Accident?

If you’re involved in a Lyft car accident, ensure everyone is safe and contact 911 to report the accident. Then, gather information about the other parties, including their contact and insurance details. Take pictures of the scene and any damages. Also, contact Lyft’s claims customer support team to report the accident.

What Is Lyft’s Insurance Policy in Case of an Accident?

Lyft’s insurance policy provides a minimum of $1 million as third-party liability. Lyft also provides an equal amount for uninsured/underinsured motorist coverage when a driver is en route to pick you up or drop you off. However, when a driver is not online on the app, Lyft does not provide insurance coverage.

How Can You Ensure Fair Compensation for Your Injuries Sustained in a Lyft Car Accident?

You can ensure fair compensation for your Lyft accident injuries by making a personal injury claim. Firstly, gather and preserve as much evidence as possible and seek medical attention. Secondly, report the accident to Lyft and consider hiring a personal injury attorney. You can contact an experienced Uptown Injury Law PLLC personal injury lawyer who can help you with the claims process.

Should You Contact Law Enforcement if You’re Involved in a Lyft Accident?

Yes, you must contact law enforcement to report the accident and ensure everyone is safe. Additionally, a police report may be necessary for insurance claims and legal proceedings. It serves as robust evidence while evaluating the damages.

Do You Need Legal Representation for a Rideshare Accident?

Yes, you should seek legal representation for a personal injury claim related to a Lyft or Uber accident. An experienced personal injury lawyer can support your rights while assessing the damages and evidence. They can ensure you attain fair compensation for your injuries.


Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers
Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers

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