Rideshare companies like Lyft are a fact of life in Covina, but getting compensation from these cases isn’t easy. Lyft crashes can be tricky to win because they have complicated insurance rules, but our Lyft accident lawyers in Covina can help you.
At Omega Law Group, we’re committed to helping you overcome any obstacle the insurance company throws between you and your compensation. Let our family take care of your family. Contact our Covina rideshare accident lawyers for a free consultation.
How Omega Law Group Approaches Covina Lyft Accident Cases
A key question we need to answer right away is what the status of the app was at the time of the crash. Lyft has a tiered insurance policy based on the app’s status, ranging from nothing at all to up to $1 million in coverage.
We also need to determine who was at fault so we know which insurers may need to pay you for your injuries. This requires evidence. We leverage the latest in technologies to gather and process evidence quickly and thoroughly.
If we can show that other parties were liable for your crash, we’re ready to negotiate with the insurance companies to find the best settlement options for you. If they refuse to settle fairly, our Covina car accident lawyers will be glad to represent you in court.
Why Choose Our Covina Lyft Accident Lawyers
- Our Covina personal injury lawyers have a deep understanding of Covina’s local laws and rideshare regulations
- Proven track record in handling complex Lyft accident cases
- Client-focused approach with 24/7 availability
- No fee unless we win your case
- Commitment to using modern technology to get you the best results possible
Understanding Lyft’s Insurance Structure
Lyft’s insurance policy covers passengers and drivers in three distinct phases, each with its own coverage levels. If you’re not sure which level may cover you, speak with our Covina Lyft accident attorneys for advice.
App Off
When the Lyft app is off, the driver is considered a regular motorist. In this situation, our personal injury lawyers in Covina handle the accident just like any other crash. The policy limits will depend on the responsible driver’s insurance.
App On, Awaiting Ride Request
This phase begins when the driver turns on the Lyft app and clocks in but hasn’t accepted a ride. If they get into an accident, Lyft provides limited liability coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
However, this coverage only applies if the driver’s personal insurance refuses to cover the accident. One way this can happen is if a driver’s personal insurance does not cover ridesharing or commercial use of their vehicle.
En Route to Pickup or During the Ride
This phase covers victims from the time a driver accepts a ride until the passenger is dropped off. Lyft provides a $1 million liability policy at this stage, which also includes contingent comprehensive and collision coverage for the driver’s vehicle and uninsured/underinsured motorist coverage.
Knowing which phase applies to your accident is crucial for your claim. It can significantly impact the amount of coverage available and which insurance company is responsible for paying.
Is This Coverage Enough?
Lyft’s insurance structure can have gaps that leave victims vulnerable. Insurance companies may argue over which phase the driver was in at the time of the accident, which can lead to delays in claim processing and potential denial of coverage.
Insurance companies may try to deny claims based on policy exclusions or technicalities. For example, if a driver fails to maintain their vehicle properly, the insurer might argue this voids the policy. This can be a serious problem in rideshare situations.
Finally, if your injuries are extremely serious, even $1 million might not be enough to cover your damages. In this case, you will need a Covina Lyft accident lawyer to take your case as far as possible. We’ll work diligently to:
- Accurately determine which phase the driver was in at the time of the accident
- Identify all potentially liable parties to ensure all available coverage is accessed
- Negotiate with multiple insurance companies to secure fair compensation
- If necessary, pursue litigation to address coverage disputes or insufficient offers
Some Lyft Drivers Are Dangerous
Lyft drivers have to manage many tasks to do their job. They must check the app for ride requests, navigate with GPS, and interact with passengers, which can lead to dangerous levels of distracted driving.
Drivers are also under pressure to complete rides as quickly as possible to earn more money. This can encourage unsafe driving. Many drivers also drive for Lyft as a second job. Your driver may be more fatigued than you know.
If you notice your Lyft driver acting in an unsafe way before your crash, tell the police and then let your lawyer know. It can help your case greatly.
Have you been involved
in an accident?
(310) 526-8383
Contact Omega Law Group Today
Don’t let the complexities of a Lyft accident in Covina overwhelm you. Contact our Covina Lyft accident attorneys today for a free, no-obligation consultation. Let us put our knowledge and resources to work for you.
In California, you generally have two years from the date of the accident to file a personal injury lawsuit. The longer you wait, the harder it will be to get full compensation from your claim. Contact Omega Law Group right away by phone or through our website to schedule your free consultation.
