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LYFT INSURANCE OVERVIEW



LYFT Driver Insurance:_____________________



Every trip is insured  with Policies that help drivers:



Our insurance policies work with your personal
insurance coverage to protect you whenever you’re
driving with LYFT. Here’s how it works.



On trip:



Insurance coverage is available between accepting and ending each trip.



Between trips:



Insurance coverage for when you are logged in but have not yet accepted a trip.



Offline:



Your chosen insurance company and coverages apply when you are not on the LYFT platform.



Rideshare insurance, On trip:



When you’re on a trip, your liability to third parties is covered by Lyft’s $1 million insurance policy. It covers each and every incident that occurs between accepting a trip and reaching the rider’s destination.

$1M Liability
Our commercial insurance policy covers drivers’ liability to riders and takes precedence over any personal auto coverage.

$1M Uninsured/Underinsured Motorist Injury
If another motorist causes the accident but doesn’t have adequate insurance, this policy covers bodily injury of anyone in the rideshare vehicle.

Contingent Collision and Comprehensive¹
As long as a rideshare driver has personal collision or comprehensive insurance, this policy covers physical damage that occurs during a trip and is subject to a deductible.


Rideshare insurance, Between trips:



Even when you haven’t yet accepted a trip, LYFT provides a 3rd party liability policy that meets or exceeds the third party liability insurance requirements of every US state.

Liability (When Necessary)²
$50,000/$100,000/$25,000

Covers bodily injury up to $50,000/individual/accident with a total of $100,000/accident and up to $25,000 for property damage.


Rideshare insurance, Offline:



Drivers are required to maintain personal automobile insurance that meets state regulations where they want to drive.



Commercial coverage:



All LYFT rides are provided by commercially licensed and insured partners and drivers. Those transportation providers are covered by commercial insurance policies in accordance with local and state requirements.



Commitment to drivers is dedicated to safety:



When you drive with LYFT, you get 24/7 driver support and insurance coverage. And all riders are verified with their personal information and phone number, so you’ll know who you’re picking up and so will we.



Why Do You Need Rideshare Insurance?




Lyft only covers rideshare drivers during Periods 2 and 3.

Period 2 starts once you accept a ride request, and are en route to your passenger.

Period 3 starts once your passenger gets into your car.

BUT when you’re online and waiting for a request during Period 1, you have no collision coverage from Lyft and much lower liability limits.  So as a rideshare driver, you’re most at risk during Period 1 since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either.


Rideshare insurance solves this gap by covering drivers during Period 1, and additionally they won’t drop you for being a rideshare driver.  Some policies will even cover you during Periods 2 and 3 so you won’t be subject to Lyft’s $2,500 collision deductible.

Over the past year, almost all of the major carriers have begun offering rideshare insurance policies for drivers.

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