While it’s unlikely that you’ll be able to sue Lyft after a rideshare car accident in Texas, you might be able to recover benefits from Lyft’s insurance company.
Lyft maintains two insurance policies. One is active when their rideshare drivers are actively awaiting a ride request and available to work. The other is a million-dollar policy that is active from the moment a ride request is accepted to the moment a passenger is dropped off at their destination.
Even though these policies exist, the claims process can be challenging. The best thing you can do to protect your rights and increase the odds of a meaningful recovery is to hire an experienced Round Rock Lyft accident lawyer to represent you. Call Dow Law Firm at (512) 240-9951 for a free consultation today.
When Does Lyft’s Insurance Coverage Apply to a Car Accident?
Lyft’s corporate insurance policies are effective as long as the rideshare driver is actively seeking work or completing a trip in the Lyft app.
If a Lyft driver is not working, but rather driving their vehicle for personal reasons, Lyft’s insurance policies won’t apply to accidents in which that driver is involved. Instead, their personal Texas car insurance policy is the primary source of compensation if that Lyft driver is at fault.
When the Lyft driver is on duty and waiting for a ride request, Lyft’s insurance policy covers up to:
- $50,000 per person and $100,000 per accident in bodily injury, and
- $25,000 per accident in property damage.
Once a rideshare driver accepts a ride request, Lyft’s million-dollar policy kicks in. Specifically, the policy covers up to one million dollars in third-party auto liability coverage for bodily injury and property damage per accident.
Understanding which policy applies to your situation is crucial. A Lyft accident attorney in Round Rock can help you determine the applicable coverage based on the driver’s status at the time of your crash.
When Can I File a Claim For Lyft Insurance Benefits?
While Lyft has these policies in place, they’re secondary benefits. This means that you have to exhaust other available insurance benefits before you can file a claim with Lyft’s insurance provider.
Most often, this means you have to max out the Lyft driver’s personal car insurance policy benefits before Lyft’s insurance company will begin to cover your crash-related damages.
In Texas, minimum car insurance requirements for Lyft drivers include:
- $30,000 per person and $60,000 per accident in bodily injury, and
- $25,000 per accident in property damage.
Drivers are also encouraged to maintain uninsured or underinsured motorist coverage to protect themselves and others in the event of a car accident with drivers who don’t comply with Texas insurance regulations.
Navigating the layered insurance structure can be complex, which is why working with a Round Rock Lyft accident lawyer is essential to ensuring you receive all benefits you’re entitled to.
A Round Rock Lyft Accident Attorney Can Help You Seek Insurance Benefits After an Accident
Lyft’s insurance company will try to deny your claim or minimize the benefits you’re awarded after a rideshare accident in Round Rock. They’ll try every trick in the book to stand between you and a meaningful financial award. They are, after all, a profit-driven company that will prioritize its own bottom line over doing what’s right and in your best interests.
That’s where Dow Law Firm can help. Our team of Round Rock Lyft accident lawyers has spent decades handling complex, high-value insurance disputes for injury victims and families. We’re able to offer the insight, experience, and strategies you’ll need to force Lyft’s insurance company to do the right thing.
Contact our Lyft accident attorneys in Round Rock to schedule a free case review and learn more.