If you're looking for insurance coverage while giving Lyft rides, learn more here.
The subject of insurance can be complicated, but it’s important you know who and when our policies cover you in the event of an incident. The following is an overview of how our insurance policies work for delivery.
There are three coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you accept a delivery request until the time the delivery has ended in the app):
Primary Automobile Liability
Contingent Comprehensive & Collision
Uninsured/Underinsured Motorist (UM/UIM)
Note: Only one policy applies when the driver is engaged in either Rideshare or Lyft Deliveries Services. Rideshare and Lyft Deliveries Insurance coverage are not stackable.
Your personal insurance is your insurance policy.
Coverage when app is on but no delivery is accepted
Our primary liability coverage is designed to provide coverage when the app is in driver mode, before you’ve received a delivery 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 or state insurance requirements.
Coverage when delivery ride accepted through delivery ride end
Our primary liability coverage is designed to provide coverage from the time you accept a delivery request until the time the delivery has ended in the app. 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.
How does contingent collision coverage work?
Our contingent collision coverage is designed to cover physical damage to your vehicle resulting from an accident as long as you have obtained collision coverage on your personal automobile policy. The contingent collision coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less, with a $2,500 deductible. This coverage is designed to step in regardless of whether or not you're at fault.
What does UM/UIM mean and how does this coverage work?
In the event of an accident (once you have accepted a delivery or are transporting goods after accepting a delivery request) with a driver who is uninsured (UM) or underinsured (UIM) and is ultimately at fault for bodily injury caused to you, UM/UIM coverage would apply. The availability of UM/UIM coverage would apply. The availability of UM/UIM coverage and the coverage limits vary by state. There’s no deductible on this coverage.
Express Drive renter’s insurance coverage depends on which of the following three periods you're in when an incident occurs:
Personal driving: You’re offline (i.e. not in driver mode)
Waiting for a request: When the app is in driver mode and you have not received a ride request.
Ride in progress: This includes any time from accepting a ride request until the time the ride has ended in the app.
Complete coverage details for our Express Drive program can be found here.
When do these coverages apply?
It depends on the coverage. During the time the Lyft Driver app is on and available to accept a request (also known as ‘driver mode’), only the primary liability policy is in effect.
All available coverages go into effect when you’ve accepted a delivery request and are on your way to pick up the goods to be delivered. These coverages continue while you’re transporting the goods to be delivered until the time you end the delivery in the app.
Where is this coverage available?
These coverages are not available for delivery rides originating in the State of New York. Some regions may have specific requirements that modify the described coverage.