Rideshare services like Lyft have changed the way we get around. But when a Lyft ride ends in a crash, things get complicated fast. Who pays for your injuries? Does Lyft’s insurance cover you, or are you stuck dealing with the at-fault driver’s policy? If you’re involved in a Lyft auto accident case, you need to know your rights and how to get compensation.
In Maryland, rideshare accidents are on the rise. Here’s what you need to know about liability, insurance coverage, and how to protect your claim.
Who’s Liable for a Rideshare Accident in Maryland
Liability in a Lyft accident isn’t always straightforward. Unlike traditional car crashes, multiple parties could be responsible. The at-fault driver, Lyft’s insurance, or even another third party could be on the hook. Here’s how it breaks down:
- Lyft driver at fault: If the Lyft driver caused the crash, their personal insurance may apply—but only in certain situations. Lyft’s coverage may also kick in, depending on what phase of the ride they were in.
- Another driver at fault: If another driver hit your Lyft, their insurance should cover damages. But if they’re uninsured or underinsured, Lyft’s policy might cover some of your losses.
- Lyft’s responsibility: Lyft classifies its drivers as independent contractors, not employees. That means Lyft itself often tries to avoid direct liability. But their insurance policy does provide coverage in many cases.
If you’re unsure who’s responsible for your injuries, a rideshare car accident lawyer can help you sort through the details and file a claim against the right party.
Lyft Insurance Coverage vs. Personal Insurance Coverage
Lyft provides insurance coverage for drivers and passengers, but coverage varies based on when the accident happens. Here’s how it works:
1. The Lyft App Is Off
- The driver’s personal insurance applies.
- Lyft provides no coverage during this time.
2. The Lyft App Is On, But No Passenger Is in the Car
- The driver’s personal insurance is the primary coverage.
- Lyft offers contingent liability coverage (up to $50,000 per person for injuries, $100,000 total per accident, and $25,000 for property damage) if the driver’s policy doesn’t cover the claim.
3. The Driver Is En Route or Has a Passenger in the Car
- Lyft’s $1 million liability policy applies.
- This covers injuries and property damage caused by the Lyft driver.
- Lyft also provides uninsured/underinsured motorist coverage, which can help if another driver is at fault but doesn’t have enough insurance.
This insurance structure means your compensation depends on when the accident happened. A rideshare car accident lawyer can help you figure out which insurance policy applies and how to file a claim.
What to Do After a Lyft Accident
If you’re injured in a Lyft accident, taking the right steps can protect your claim:
- Call 911 – Always report the accident to law enforcement. A police report is critical evidence.
- Seek Medical Attention – Even if you feel okay, injuries like whiplash or internal damage may not show symptoms right away.
- Document Everything – Take photos of the accident scene, vehicle damage, and injuries. Get witness contact information.
- Report the Accident to Lyft – Use the Lyft app or website to notify them.
- Avoid Speaking to Insurance Adjusters Alone – Insurance companies may try to minimize your claim. A lawyer can handle these negotiations.
How a Rideshare Car Accident Lawyer Can Help
Filing an injury claim after a Lyft accident is more complicated than a regular car crash. There are multiple insurance policies involved, and companies will try to shift blame to avoid paying out. A lawyer can:
- Identify the liable party and determine which insurance policy applies.
- Handle negotiations with insurance companies to maximize your compensation.
- File a lawsuit if necessary to ensure you get the full amount you deserve.
At the Law Office of Conrad W. Judy III, LLC, we understand the complexities of Lyft auto accident cases in Maryland. Our team will fight for your rights and make sure you receive fair compensation for medical bills, lost wages, and pain and suffering.
If you’ve been injured in a rideshare accident, don’t wait. Contact us today for a free consultation. We’ll help you understand your options and take the right steps toward recovery.
