Lyft’s Uninsured Motorist and Underinsured Motorist Insurance in Louisiana

With the increase in popularity of ridesharing services like Lyft and Uber, it has never been more accessible, more affordable, or more convenient to schedule a ride directly through your smartphone. However, the frequency of the use of these services has raised new questions for rideshare drivers and passengers related to liability in the event of an accident.

What do I do if my Lyft car has been in an accident? Who is responsible for damages after an accident? What if the other driver does not have insurance?

According to the Insurance Research Council, 1 out of 7 drivers in the United States is uninsured. This statistic means that as a Lyft driver you may be liable for substantial damages that aren’t covered by your liability insurance.

The experienced personal injury attorneys at Cueria Law Firm have helped many clients just like you to understand their rights after a Lyft accident with an uninsured or underinsured driver in Louisiana. Our attorneys know how difficult it can be to determine if you are eligible for financial relief after a Lyft accident. They can help you determine your best course of action.

Accidents in a Lyft

In 2017, Lyft reported that it had 1.4 million drivers on the road who provided about one million rides per day. Such large numbers indicate the popularity of the ridesharing service throughout the country. They also point to the increased likelihood of vehicular accidents involving a Lyft car while out on the road.

Accidents on the road occur for many reasons including weather conditions, speeding, or driver negligence. In the case of Lyft drivers, most do not have professional driving experience transporting customers. Drivers need to use the Lyft app while driving which increases the likelihood of distracted driving. Lastly, the more rides a driver completes, the more they get paid which may encourage drivers to drive faster during or in between trips.

All of these factors mean that Lyft and other rideshare drivers may be involved in a car accident at some point while driving.

What happens if the driver of the other vehicle does not have insurance or does not have enough insurance to cover the damages after an accident? What are the implications of the Uninsured/ Underinsured Insurance policies offered through Lyft’s insurance policy for its drivers?

Auto Insurance and Lyft Drivers

Lyft and other ridesharing companies can be a great way to earn extra money. However, drivers need to understand Lyft insurance and the coverage, or lack of coverage, drivers have while driving. If you were involved in an accident with a Lyft car and are unsure if you can seek compensation, the New Orleans attorneys at Cueria Law Firm can help.

Lyft offers different levels of insurance coverage for drivers depending on if they are in driver mode or if they have accepted a rider. The different levels of insurance include:

  • Contingent Liability (only while in driver mode)
  • Primary Automobile Liability
  • Contingent Comprehensive & Collision
  • Uninsured/Underinsured Motorist (UM/UIM)

What is UM/UIM coverage?

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages help protect you in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the costs of any damages.

With the prevalence of uninsured drivers on the road, it is more important than ever to have UM/ UIM coverage on your insurance policy. In fact, many states including Louisiana require all policies to include uninsured motorist coverage now. It is automatically included unless you opt out in writing.

Have you been involved in an auto accident with a Lyft vehicle? Was the other driver uninsured or underinsured? The professional personal injury attorneys at Cueria Law Firm can help you determine the best course of action so you can recover any damages owed to you.

Call our office today to talk with one of our experienced New Orleans attorneys.