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Insurance

Note: Only one policy applies when the driver is engaged in either Rideshare or Essential Deliveries Services. Rideshare and Essential Deliveries Insurance coverage are not stackable.


Rideshare Insurance

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.

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View Lyft's certificate of insurance in the app

To view the certificate of insurance for each state:

  1. Open your app and tap on 'Vehicle' in the menu
  2. Tap the vehicle that you want to see the insurance for
  3. Tap 'Lyft insurance'

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Coverage when the app is off

Your personal auto insurance coverage applies.

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Coverage when the app is on, waiting for a ride request

Lyft provides third-party liability insurance for covered accidents if your personal insurance does not apply. 1

  • $50,000/person for bodily injury
  • $100,000/accident for bodily injury
  • $25,000/accident for property damage

1 Policies may be modified to comply with state or city insurance requirements.

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Coverage when the app is on, picking up passengers or during rides

Lyft provides the following insurance for covered accidents:

  • $1,000,000 for 3rd-party auto liability 1
  • Uninsured/underinsured motorist bodily injury and/or first-party coverage 2
  • Contingent comprehensive & collision up to the actual cash value of the car ($2,500 deductible) 3

1 Policies may be modified to comply with state or city insurance requirements.
2 Coverage, where provided, may be modified to the extent allowed by law.
3 Applies if a driver has obtained comprehensive and collision on their personal auto insurance policy.

How does automobile liability coverage work?

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.

How do UM/UIM and first-party coverage work? 

Where applicable, Lyft may also provide uninsured/underinsured Motorist (UM/UIM) coverage and/or certain first-party coverage.  

In the event of a covered accident 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, UM/UIM coverage would apply.  The availability of UM/UIM coverage and the coverage limits vary by state. There is no deductible on this coverage.

Lyft may also provide first-party coverages such as medical payments (MedPay) or personal injury protection (PIP). The coverages apply to healthcare or medical expenses if you are injured in a covered accident. The availability of first-party injury coverage and the coverage limits vary by state. There is no deductible on this coverage.

Note: All policies may be modified to comply with specific city or state insurance requirements.

What is uninsured/underinsured motorist and first-party coverage?

Uninsured/underinsured motorist coverage covers injuries to you and your passengers in a covered incident caused by a driver who lacks sufficient insurance. First-party coverage applies to healthcare or medical expenses if you are injured in a covered accident.

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When do these coverages apply?

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”), only the primary liability policy is in effect.

All 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.

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Express Drive coverage

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.

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Where this coverage is available

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 create innovative solutions for our drivers. 

Several personal auto insurers also offer different coverages available for transportation network drivers. Please contact your personal auto insurer to find out what policies are available to you.

If you need to review Lyft’s Certificates of Insurance, click here to learn more.

In select regions, Lyft (through Lyft Center, Inc.) has partnered with insurance providers to offer rideshare insurance policies at discounted rates. These auto policies cover your car both when you’re driving for rideshare, or driving for personal use.

To learn more about each partnership, you can click the links below: 

For your claims process, you can expect to work with one of the following companies: Allstate Insurance Company (North Light Specialty Insurance Company), Liberty Mutual Insurance, Mobilitas Insurance Company, Progressive (United Financial Casualty Company), or Travelers (Constitution State Services).

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Essential Deliveries

The subject of insurance can be complicated, but it’s important you know who and when our policies cover you in the event of an incident. The following is an overview of how our insurance policies work for delivery.

There are three coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you accept a delivery request until the time the delivery has ended in the app):

  • Primary Automobile Liability
  • Contingent Comprehensive & Collision
  • Uninsured/Underinsured Motorist (UM/UIM)

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Coverage when app is off

Your personal insurance is your insurance policy.

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Coverage when app is on but no delivery is accepted

Our primary liability coverage is designed to provide coverage when the app is in driver mode, before you’ve received a delivery 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 or state insurance requirements.

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Coverage when delivery ride accepted through delivery ride end

Our primary liability coverage is designed to provide coverage from the time you accept a delivery request until the time the delivery has ended in the app. 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.

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.

What does UM/UIM mean and how does this coverage work?

In the event of an accident (once you have accepted a delivery or are transporting goods after accepting a delivery request) with a driver who is uninsured (UM) or underinsured (UIM) and is ultimately at fault for bodily injury caused to you, UM/UIM coverage would apply. The availability of UM/UIM coverage would apply. The availability of UM/UIM coverage and the coverage limits vary by state. There’s no deductible on this coverage.

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Express Drive coverage

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.

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When do these coverages apply?

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’), only the primary liability policy is in effect.

All available coverages go into effect when you’ve accepted a delivery request and are on your way to pick up the goods to be delivered. These coverages continue while you’re transporting the goods to be delivered until the time you end the delivery in the app.

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Where is this coverage available?

These coverages are not available for delivery rides originating in the State of New York. Some regions may have specific requirements that modify the described coverage.

Review Lyft's Certificates of Insurance for Essential Deliveries.

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