If you get into an accident in a Lyft, what happens is you may be able to recover compensation depending on who caused the crash, the driver’s status on the app, and what type of insurance coverage is in effect.
Whether you were a passenger, pedestrian, or another driver, a Charleston car accident lawyer can help determine which party is liable and what steps you can take next.
Rideshare accidents aren’t handled the same way as typical car crashes. Lyft drivers are considered independent contractors, and the company only provides insurance coverage under specific conditions. If you’re hurt in one of these accidents, it’s important to understand how fault, insurance, and your rights intersect.
Understanding How Lyft’s Insurance Works
One of the biggest factors in a Lyft accident is whether the driver was actively using the app. Lyft’s insurance coverage changes depending on what the driver was doing at the time of the crash:
- Driver offline: Only the driver’s personal auto insurance applies.
- App is on, but no ride accepted: Lyft provides limited liability coverage (typically up to $50,000 per person injured).
- Ride accepted or passenger in vehicle: Lyft’s full $1 million policy applies, covering both bodily injury and property damage.
We examine app usage data, driver statements, and trip logs to determine which coverage applies to your accident and how to file your claim effectively.
For a free legal consultation, call (843) 380-8350
What to Do if You Were a Passenger in the Lyft
If you were a paying passenger and your Lyft driver was involved in a crash, you are likely covered under the company’s highest tier of insurance. That includes up to $1 million in liability coverage and may also include uninsured/underinsured motorist protection.
In this case, you may be eligible to recover:
- Medical costs for emergency treatment, surgery, or physical therapy
- Lost income from missed work during your recovery
- Pain and suffering for the emotional and physical toll of the crash
- Future care needs if the injury results in long-term limitations
As a passenger, you’re almost never considered at fault, which makes your case stronger and often easier to pursue, assuming that the proper insurance policies are triggered.
What If Another Driver Caused the Crash?
If the Lyft vehicle was struck by another car, you may still be able to recover damages, but your claim will be filed against the at-fault driver’s insurance instead of Lyft’s. However, if that driver doesn’t carry enough coverage (or any at all), Lyft’s uninsured/underinsured motorist coverage may still apply.
Here’s how we typically handle these situations:
- Identify all liable parties and verify their insurance coverage.
- Use Lyft’s coverage as a backup if the other driver’s insurance is insufficient.
- Avoid gaps in care by guiding clients through medical documentation and billing.
We aim to ensure you’re not left paying for someone else’s mistake, regardless of how complicated the situation becomes.
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How We Help Determine Fault in Lyft Accidents
In South Carolina, determining fault is critical because the at-fault party (or their insurer) is responsible for paying damages. We investigate Lyft crashes just like any other injury case, but with extra attention to app status, company policies, and third-party involvement.
Our investigation typically includes:
- Crash scene photos and damage reports
- Witness interviews and driver statements
- Trip data from the Lyft app
- Surveillance or dash cam footage
- Police and medical reports
By piecing together every detail, we make sure the full picture is clear and your claim is supported by strong, documented evidence.
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Should You File a Lawsuit or an Insurance Claim?
In many Lyft accident cases, the claim can be settled without filing a lawsuit. However, when insurance companies delay, deny, or offer unfair settlements, we’re fully prepared to take legal action. Whether your case is resolved through negotiation or litigation depends on the complexity of the crash and the willingness of the involved insurers to pay fair value.
Filing a lawsuit might be necessary if:
- Liability is disputed.
- Multiple parties are involved.
- Insurance coverage is denied or underpaid.
- Your injuries are severe or permanent.
We review every detail of your case before making a recommendation and explain every option so you can make an informed decision.
Why Choose The Thumbs Up Guys for a Lyft Accident?
We’ve helped countless South Carolinians after rideshare accidents. At The Thumbs Up Guys, we know how confusing these cases can be. Insurance policies overlap, liability is questioned, and corporations are quick to deflect responsibility. That’s why we’re here: to protect your rights and fight for fair compensation.
When you work with us, you get:
- A free case evaluation with no obligation
- A no-fee guarantee—you don’t pay unless we win
- A team that travels to you if your injury limits mobility
- A local law firm committed to Results that Matter
We’re proud to be Your South Carolina Injury Law Firm, and we’re ready to help you move forward after a Lyft crash.
Talk to a South Carolina Personal Injury Lawyer Today
If you’ve been hurt in a Lyft accident, the clock is already ticking. South Carolina has a limited window to file personal injury claims, and the sooner you act, the stronger your case will be. Let The Thumbs Up Guys review your case for free and explain your next steps.
Contact us today to schedule your consultation. We’ll ensure you understand what happens if you get into an accident in a Lyft and how to protect your rights from day one.
Call or text (843) 380-8350 or complete a Free Case Evaluation form
