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Lyft’s Contingent Liability Insurance for New Orleans Drivers

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Lyft’s Contingent Liability Insurance for New Orleans Drivers

With the recent popularity of ridesharing services such as Uber and Lyft, there are naturally many questions and new legal considerations that affect both rideshare drivers and passengers. Is the rideshare company responsible for damages and injuries? Is the driver…

With the recent popularity of ridesharing services such as Uber and Lyft, there are naturally many questions and new legal considerations that affect both rideshare drivers and passengers. Is the rideshare company responsible for damages and injuries? Is the driver responsible? Will the insurance provided by the rideshare company be enough to cover all damages or injuries? What additional insurance does the driver need?

The personal injury attorneys at Cueria Law Firm in New Orleans have assisted many clients in learning about their rights as a Lyft driver in the case of an accident or injury. Our experienced lawyers have successfully worked to help clients determine if they are eligible for financial relief after an auto accident involving Lyft.

Understanding Lyft’s Contingent Liability Insurance

Auto insurance can be a confusing topic for any driver, but it is especially complicated if you are a rideshare driver. Although Lyft does offer insurance coverage for its drivers, their coverage has very specific guidelines. The company identifies three different periods that determine the type of coverage available for drivers.

It is important to note that when the driver’s app is turned off, the driver is not covered under any Lyft insurance policy. Only the driver’s personal auto insurance can be used in the case of a vehicular accident when the driver app is turned off.

Period One: The driver app is in driver mode, but the driver has not yet received a ride request.

During this period, Lyft provides drivers with contingent liability insurance in the event that their personal auto insurance will not provide coverage. According to Lyft’s Insurance Policy, the contingent liability insurance policy has a $50,000 maximum for bodily injury per person, $100,000 maximum limit per accident, and a $25,000 maximum limit for property damage with no deductible.

This means that drivers are expected to contact their personal auto insurance company first. If they are denied coverage for any reason, then the driver may be able to utilize the contingent liability insurance provided by Lyft.

Period Two: The driver has received a ride request and has accepted it. The driver is en route to the rider.

Period Three: The rider is in the vehicle and on the way to their destination. Period three ends when the rider has been dropped off, and the ride has ended within the app.

During periods two and three, drivers have the most coverage through the Lyft insurance policy. The liability insurance offered is meant to be the primary insurance used while a ride is in progress. A ride is considered to be in progress from the time the ride is accepted to the time the ride is ended in the app. Lyft’s policy has a $1,000,000 per accident limit.

As a driver, you are also covered during periods two and three for what is known as UM/ UIM. UM means uninsured motorist and UIM means underinsured motorist. If you get into an accident with a driver who is uninsured or underinsured, and it is their fault, Lyft’s UM/UIM coverage can be utilized. The limits for this insurance vary by state.

Other Insurance Considerations with Lyft

During a ride, drivers are not only covered under Lyft’s liability and the UM/UIM insurance policies. Lyft also offers contingent collision and contingent comprehensive insurance policies to drivers who already carry collision and comprehensive policies on their personal insurance policies.

Collision covers damage to your vehicle that was the result of an accident. Comprehensive covers damage to your vehicle from non-accident events such as fire, weather, or theft. For both of these policies, there is a hefty $2,500 deductible.

As a new or even an experienced driver with Lyft, it is imperative that you know how you are covered in the unfortunate event of an accident. If you have been in an accident involving a rideshare company such as Lyft, you should contact one of the experienced personal injury attorneys at Cueria Law Firm immediately.

Our attorneys have the knowledge and experience to help you navigate this complicated topic and determine if you are eligible for monetary compensation.


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We offer a free consultation for any person who contacts our New Orleans office with a potential personal injury case. We have no upfront retainer fees, and only collect our payment once we have successfully secured your settlement or trial award.

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Awards & Honors

Attorney Brent Cueria founded the Cueria Law Firm, L.L.C. located in New Orleans, in order to focus on the representation of injured individuals, where his true passion is. Mr. Cueria uses his past experience to diligently advocate for the injured and disabled clients he now represents against the insurance companies.




  • $2,000,000

    Hotel Premises Liability Settlement

  • $1,500,000

    Automobile Accident Settlement

  • $1,250,000

    Tractor Trailer Injury

  • $475,000

    Jones Act Seaman Injured in Oil Spill

  • $475,000

    Jones Act Seaman Orthopedic Injury

  • $400,000

    Passenger in Truck Crash Trial

Positive Client Reviews

Mr. Brent and his team his paralegals were very helpful in every step of the processes involving my legal dispute.They were completely understanding in every part of this.I am very thankful for them.
brandon newton
brandon newton
21:43 26 Sep 19
Had a Great experience. These guys are great and fast. They are on it. Y’all need to check out this law firm. Check them out u won’t be sorry but you will get a fair settlement because they are fair people. Been hurt??? Don’t wait. Call them today and let them litigate...
carolyn clay
carolyn clay
20:56 18 Jul 19
Brent is very professional and easy to work with. He made sure I was taken care of better than I expected. Very nice man and great team!
Kristin Marks
Kristin Marks
19:45 29 May 19
Mr. Brent Cueria does an amazing job! He was always available for any questions or concerns that I had. There was never a moment that he wouldn't take the time to help me out and keep me updated on the process of my case! A great attorney and an amazing guy!
Kevin Byrd
Kevin Byrd
15:59 08 May 19
Awesome caring firm that puts the clients needs first always. Brent was an exceptional lawyer and good person. I highly recommend Cueria Law Firm.
Cat D
Cat D
14:19 24 Apr 19
I had a good experience with this firm. The staff was professional and protected my personal interest. I would definitely recommend them.
Tameka Lewis
Tameka Lewis
22:35 07 Feb 19
Mr. Cueria was amazing, helped me beyond my expectations, they answer the phone and respond promptly to their clients. Very easy going, respectful, and professional.
April Washington
April Washington
21:59 10 Jan 19
Very nice reliable law firm... we really had good experience with him. And we are really thankful. I recommend him to everyone.
Salwan Ibrahimi
Salwan Ibrahimi
22:43 08 Nov 18
Mr. Brent is a great personal injury attorney as well as a caring attorney. He is always available to talk and answer all our questions. Mr. Brent does not take you on as just a client. He treats you like family.
Rashonda Matthews
Rashonda Matthews
17:11 01 Nov 18
The BEST in New Orleans!! I came into this office not knowing what would be the outcome of my case, and Brent assured me he got this! A big thanks to him and his staff for all your hard work!! I’m telling you if you need someone to represent he’s definitely the guy to call!! Love you guys! Until next time !😁
Allison Johnson
Allison Johnson
15:40 11 Oct 18
Highly recommended!! He’s a very caring attorney!! Gets the job done!!
Juju Giambe
Juju Giambe
21:14 22 Mar 18
Great experience. Very professional and personal at the same time. Highly recommended.
Hortense Ambrose
Hortense Ambrose
17:33 05 Mar 18
Mr. Cueria is very professional and works hard to assure that you received the best of outcome possible. Mr. Cueria and his staffed worked diligintly to give me the best settlement possible. I was very satisfied. -
Erica Ross
Erica Ross
13:17 07 Feb 18
I Love Mr. Brent. They handle me with tender loving care
Shannan Holmes
Shannan Holmes
08:55 30 Jan 18
This was my first experience ever having a lawyer and I was very grateful and it was very pleasant. Everything worked out for the best and I would definitely recommend Brent.
Lionel Vicknair
Lionel Vicknair
16:06 07 Dec 17

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There are many factors that can affect the outcome of your case, but time is often the most important. Call Cueria Law Firm today to speak to an attorney about your claim, and get started on the path to physical, emotional and financial recovery.

The team at Cueria Law Firm is here to assist you in all steps of your case - setting up doctor's appointments, starting an insurance claim, requesting a rental car, and more. We understand life after an accident can be overwhelming, but you aren't going through it alone.

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