The subject of insurance can be complicated, but it’s important you know how and when our policies cover you and your passengers in the event of an incident. The following is an overview of how our insurance policies work.
There are four coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you accept a ride request until the time the ride has ended in the app).
- Contingent Liability (coverage only while in driver mode waiting for a ride request)
- Primary Automobile Liability
- Contingent Comprehensive & Collision
- Uninsured/Underinsured Motorist (UM/UIM)
- View Lyft's certificate of insurance in the app
- Coverage when:
- When do these coverages apply?
- Express Drive coverage
- Where this coverage is available
To view the certificate of insurance for each state:
- Open your app and go to the sidebar
- Tap 'Vehicle'
- Tap the vehicle that you want to see the insurance for
- Tap 'Lyft insurance'
Your personal insurance is your insurance policy.
Lyft provides contingent liability coverage to protect you if your personal insurance doesn’t.
How does contingent liability coverage work?
Our contingent liability coverage is designed to provide coverage when the app is in driver mode before you’ve received a ride request in the event your personal insurance does not respond. The policy has a $50,000 maximum limit per person, $100,000 maximum limit per accident, and a $25,000 maximum limit for property damage. There is no deductible under this policy.
Note: This policy may be modified to comply with specific city or state insurance requirements.
Our primary liability insurance is designed to act as the primary coverage from the time you accept a ride request until the time the ride has ended in the app. There is $1,000,000 of coverage per accident. Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), Lyft’s policy will continue to be excess to your insurance coverage.
How does contingent collision coverage work?
Our contingent collision coverage is designed to cover physical damage to your vehicle resulting from an accident as long as you have obtained collision coverage on your personal automobile policy. The contingent collision coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less, with a $2,500 deductible. This coverage is designed to step in regardless of whether or not you're at fault.
How does contingent comprehensive coverage work?
Similar to our contingent collision coverage, our contingent comprehensive coverage is designed to cover physical damage to your vehicle resulting from a non-collision event (for example a fire, vandalism, a natural disaster, etc.) as long as you have obtained comprehensive coverage on your personal automobile policy. The contingent comprehensive coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less, with a $2,500 deductible. This coverage is designed to step in regardless of whether or not you're at fault.
What does UM/UIM mean and how does this coverage work?
In the event of an accident (once you have accepted a ride or are transporting a passenger) with a driver who is uninsured (UM) or underinsured (UIM) and is ultimately at fault for bodily injury caused to you and/or your passengers, our UM/UIM coverage will apply (coverage limits vary by state). There is no deductible on this coverage.
It depends on the coverage. During the time the Lyft Driver app is on and available to accept a request (also known as “driver mode”), the contingent liability policy is in effect.
The other three coverages are in effect beginning when you’ve accepted a passenger ride request and are on your way to pick up the passenger. These coverages continue while you’re giving a ride to a passenger until the time you end the ride in the app.
Express Drive renter’s insurance coverage depends on which of the following three periods you're in when an incident occurs:
- Personal driving: You’re offline (i.e. not in driver mode)
- Waiting for a request: When the app is in driver mode and you have not received a ride request.
- Ride in progress: This includes any time from accepting a ride request until the time the ride has ended in the app.
Complete coverage details for our Express Drive program can be found here.
These coverages are available in all states in the U.S., except for those rides originating in New York City with a TLC (Taxi and Limousine Commission) driver. Some regions may have specific requirements that modify the described coverage.
We're committed to pushing the insurance industry to innovate quickly and create unique solutions for our drivers. Several personal auto insurers also offer different coverages available for transportation network drivers. Please contact your personal auto insurer for more information.
Lyft works with various partners, including Latitude, Travelers (Constitution State Services), Progressive (United Financial Casualty Company), State Farm (State Farm Mutual Automobile Insurance Company), and Sedgwick.