Lyft Carries a $1 Million Liability Policy.
Here's What That Means For You.
Lyft's coverage depends on what the driver was doing when the accident happened.
Driver logged in, waiting for a request. Limited contingent liability applies.
Driver accepted a trip and is en route. Full $1M policy active.
You're in the car. Full $1M liability plus uninsured/underinsured motorist coverage.
Every Type of Lyft Accident Victim
Passengers in Lyft Vehicles
Riding in a Lyft when an accident occurred? You're covered under the $1M policy regardless of fault.
Pedestrians & Cyclists
Hit by a Lyft driver while walking or cycling? If they were on a trip or en route, Lyft's $1M covers you.
Other Drivers Hit by Lyft
A Lyft driver hit your car? Full $1M applies if they were carrying a passenger or en route to pickup.
Lyft Drivers Injured On the Job
Lyft calls drivers independent contractors — but you may still have claims against the at-fault driver and Lyft itself.
Lyft's Insurance Company
Is Already Working Against You.
Don't give a recorded statement. Don't accept a quick settlement. Call Cuz first.
📞 (212) 300-3191 — Call NowFree consultation · No fee unless we win · Available 24/7
Lyft Accident FAQ
What should I do immediately after a Lyft accident?
Call 911. Get the police report number. Take photos. Screenshot your Lyft app showing the trip details. Call us before speaking to any insurer.
Can I sue Lyft directly?
In most cases the claim is against Lyft's insurance carrier. However Lyft itself may have direct liability around driver vetting and safety failures. We evaluate all theories.
How long do I have to file?
3 years for personal injury under CPLR § 214. Don't wait — evidence disappears. Call us now.
What if the Lyft driver wasn't at fault?
Lyft's $1M covers you regardless of who caused the accident, as long as the driver was on a trip. We pursue all available defendants.