Lyft Accident Injury Attorneys

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Frequently Asked Questions

How Does Lyft Work?

Lyft is similar to the popular service, Uber. Lyft is essentially just a mobile app available for smartphone users. Lyft drivers sign up with the service to become drivers. Lyft reportedly screens applicants to make sure they have valid driver’s license and other requirements. The drivers turn on the app whenever they seek to pick up a fare.

Passengers use the app to connect with the drivers. Essentially, Lyft acts as the go-between the drivers and passengers. The legal problem is whether Lyft drivers are “independent contractors” or actual employees of Lyft. Litigation is new in this area and the answer is subject to change.

To understand the difference between the two legal distinctions, you need to be aware of the concept of vicarious liability. When it comes to accidents, the law needs to hold someone liable for the damage. Typically, employers are vicariously liable for the actions of their employees during the course of their employment. If not, the employer is not liable. Independent contractors are independent actors in the legal sense, meaning that they alone hold responsibility for their actions. This distinction, therefore, matters to the plaintiff seeking to have their medical bills and property damage paid.

Abuse can also include financial abuse. For instance, if your spouse requires you to hand over your wages, it could be abuse. Any routine practice to steal or extort money from an intimate partner is abuse.

I Was In An Accident With A Lyft Driver – Who Is Responsible?

The first you should do is contact legal counsel before seeking internal options through Lyft. Independent legal counsel has your best interest at heart. Even if you are a Lyft driver, you may be having a difficult time getting Lyft to supplement your insurance under their official corporate policy. After contacting legal help, the next thing you need to do is understand Lyft’s policy for accident coverage and reporting.

Lyft has policies to protect drivers in the case of financial loss after an accident. The app must be on for Lyft’s contingent liability policy to kick in. If the app is off, then a driver’s personal insurance governs. Lyft’s official policy on their contingent policy is:

  • “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.”

Lyft also offers contingent comprehensive and contingent collision coverage for their drivers. The drivers are only entitled to this coverage if they carry the same coverage in their personal insurance. Lyft does not currently offer coverage for drivers when the driver turns off the app.

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