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Insurance coverage while driving with Lyft

保险问题可能很复杂，但了解在发生事故时我们的保单如何以及何时覆盖您和您的乘客非常重要。以下是我们保险政策运作方式的概述。
*These policies do not apply to livery or Transportation Charter Permit drivers on the platform, who are subject to state and local are requirements to carry their own commercial auto insurance.
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Coverage when the app is off
Your personal auto insurance coverage applies.
Coverage when the app is on and waiting for a ride request
Lyft maintains third-party liability insurance for covered accidents if your personal insurance does not apply of at least*:
  1. $50,000/person for bodily injury*
  2. $100,000/accident for bodily injury*
  3. $25,000/accident for property damage*
*Exceptions: For covered accidents in Arizona and Nebraska, third-party liability insurance is $25,000/per person for bodily injury, $50,000/accident for bodily injury, and $20,000/accident for property damage, consistent with state requirements. For rides originating in the five boroughs of New York City, Lyft does not procure any liability policy. The TLC drivers in this market procure their own policy. These policies do‬‭ not apply to livery or Transportation Charter‬ Permit drivers on the platform, who are subject to state and local are requirements to carry their‬ own commercial auto insurance.‬
您不需要从个人保险公司购买额外保险，但您可以选择购买以获得更多保护。
Learn more here. Contact your insurance company, agent, or broker to learn more.
Coverage when the app is on and drivers are en route to pick up passengers
Lyft maintains the following insurance for covered accidents:
  1. In most markets, at least $1,000,000 for third-party auto liability coverage* (these limits are lower or not procured in some markets, exceptions noted below)
  2. 第一方保险，可能包括未投保驾驶员保险、投保不足驾驶员保险、PIP、MedPay和/或职业事故保险。
  3. If a driver obtains comprehensive and collision coverage on their personal auto policy, Lyft then maintains contingent comprehensive & collision coverage up to the actual cash value of the car ($2,500 deductible)
* Exceptions: For covered accidents in Maryland, Lyft maintains $125,000 for third-party liability insurance (combined single limit for bodily injury and property damage) during the time in which a driver is en route to pick up a passenger, consistent with state requirements. For rides originating in the five boroughs of New York City, Lyft does not procure any liability policy. The TLC drivers in this market procure their own policy. These policies do‬‭ not apply to livery or Transportation Charter‬ Permit drivers on the platform, who are subject to state and local are requirements to carry their‬ own commercial auto insurance.‬
Coverage when the app is on and a ride is in progress
Lyft maintains the following insurance for covered accidents:
  1. At least $1,000,000 for third-party auto liability coverage*
  2. 第一方保险，可能包括未投保驾驶员保险、投保不足驾驶员保险、PIP、MedPay和/或职业事故保险。
  3. If a driver obtains comprehensive and collision coverage on their personal auto policy, Lyft then maintains contingent comprehensive & collision coverage up to the actual cash value of the car ($2,500 deductible)
*Exceptions: For rides originating in the five boroughs of New York City, Lyft does not procure any liability policy. The TLC drivers in this market procure their own policy. These policies do‬‭ not apply to livery or Transportation Charter‬ Permit drivers on the platform, who are subject to state and local are requirements to carry their‬ own commercial auto insurance.‬
How does automobile liability coverage work?
Our third-party auto 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. There is at least $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 be excess to your insurance coverage.
Drivers are required to maintain personal auto insurance that meets minimum state requirements, however, most personal auto policies won't cover you while you’re using the Lyft app. Where consistent with state and local laws, Lyft maintains commercial insurance on behalf of drivers. This commercial insurance provides certain coverages while you’re using the Lyft app, which are outlined above. This does not replace your personal insurance.
*Exceptions: For covered accidents in Maryland, Lyft maintains $125,000 for third-party liability insurance (combined single limit for bodily injury and property damage) during the time in which a driver is en route to pick up a passenger, consistent with state requirements . For rides originating in the five boroughs of New York City, Lyft does not procure any liability policy. The TLC drivers in this market procure their own policy. These policies do‬‭ not apply to livery or Transportation Charter‬ Permit drivers on the platform, who are subject to state and local are requirements to carry their‬ own commercial auto insurance.‬
意外碰撞险如何运作？
我们的意外碰撞险旨在对因事故造成的车辆物理损坏提供保险，只要您的个人车险中包含碰撞险。意外碰撞险最多不超过车辆的实际现金价值或维修费用，以金额较低者为准，免赔额为 $2,500。无论您是否为过错方，此保险都可提供保障。
How does contingent comprehensive coverage work?
与意外碰撞险相似，我们的意外综合险旨在为由于非碰撞事件（例如火灾、故意毁坏、自然灾害等）对车辆造成的物理损坏提供保险，只要您的个人汽车保单中包含综合险。意外综合险最多不超过车辆的实际现金价值或维修费用，以金额较低者为准，免赔额为 $2,500。无论您是否为过错方，此保险都可提供保障。
What is UM, UIM, MedPay  PIP, and Occupational Accident coverage?
Where applicable, Lyft may also maintain uninsured (UM) motorist, underinsured (UIM) motorist, personal injury protection (PIP), Med Pay, and Occupational Accident coverage.
In the event of a covered accident with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you and/or your passengers, UM/UIM coverage, where available, would apply. There is no deductible on this coverage.
Lyft may also maintain first-party coverages such as medical payments (MedPay), personal injury protection (PIP), or Occupational Accident coverage. MedPay coverage applies to healthcare or medical expenses if you are injured in a covered accident. PIP applies to healthcare or medical expenses and/or wage loss if you are injured in a covered accident. Occupational Accident applies in select states* only to medical expenses and disability benefits where you are injured in a covered accident. There is no deductible on these coverages.
* Select states include covered accidents in California occurring on or after December 16, 2020; Massachusetts occurring on or after October 1, 2024; and Minnesota occurring on or after January 1, 2025.
Express Drive coverage
Express Drive insurance coverage depends on which of the following three periods you're in when an incident occurs:
  1. Personal driving: You’re offline (i.e. not in driver mode)
  2. 等待叫车：app 处于司机模式，而且您尚未收到乘车请求。
  3. En route to a passenger: This includes the time from accepting a ride request until you arrive at the requested pickup location.
  4. Ride in progress: This includes the time from pickup of a passenger until the time the ride has ended.
Complete coverage details for our Express Drive program can be found here.
Know your insurance
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. These policies do‬‭ not apply to livery or Transportation Charter‬ Permit drivers on the platform, who are subject to state and local are requirements to carry their‬ own commercial auto insurance.‬
Some regions may have specific requirements that modify the described coverage.
一些个人汽车保险公司也为运输网络司机提供不同的保险。请联系您的个人汽车保险公司，了解可用的保险政策。
If you need to review Lyft’s proof of insurance, click here to learn more.
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), State Farm Insurance Company, or Travelers (Constitution State Services).
What insurance is needed for livery and TCP drivers?
作为持有专业执照的司机，你需要遵守州或地方的出租车法规，包括需要购买自己的商业汽车保险。共享出行保险政策不适用。商业保险的覆盖金额可能低于共享出行保险的覆盖金额。
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