It is the unfortunate reality that Lyft accidents in Seminole are a potential hazard of the job. As a driver, you spend more time on the road, and even as an impeccable driver this puts you at more of a risk of being involved in a traffic accident.
Insurance Coverage for Lyft Accidents in Seminole
If you get into an accident while you are driving for Lyft, what happens depends on the type of insurance you have and what period you are in when the accident occurs. Lyft only covers Lyft accidents in Seminole that take place during Periods 2 or 3.
- Period 1 – You are signed into the app waiting for a ride request
- Period 2 – You have received a request and are in transit to pick up a rider
- Period 3 – You have a rider in your vehicle
During period 1 when you are signed into the app and waiting for a ride request is when you are the most vulnerable to Lyft accidents in Seminole. Since you have no coverage from Lyft at all during this time, any accidents that occur would go through your own personal insurance. If you do not have additional rideshare coverage on your personal policy you can end up having to pay out of pocket for expenses.
Should your Lyft accident in Seminole occur during periods 2 or 3, then Lyft’s insurance will cover you up to $1 million in liability coverage, after a $2,500 deductible. Meaning that you will have to pay out of pocket $2,500 before for any Lyft accidents in Seminole before the policy kicks in. Unless you have purchased additional rideshare insurance on your personal policy, in that case, it will depend on the details of your policy.
Lyft’s insurance policy will pay out for liability and collision but often will not cover medical expenses, lost wages, or the cost of a rental car.
It is wise to look into additional insurance that will fully protect you in the event of any Lyft accidents in Seminole. There are many options that will cover you during period 1, and potentially cover all or part of Lyft’s insurance deductible.
If the Other Party is at Fault
If the other party is at fault then you may be able to go through their insurance to try to get a settlement. If that is the case, you may be entitled to compensation for damages to your car, lost wages, medical expenses, and the cost of a rental car while yours is being repaired. In this case, it is in your best interest to seek counsel from an attorney experienced handling Lyft accidents in Seminole as they can often negotiate a much higher settlement than you could on your own.
If you have been involved in a Lyft accident in Seminole, trust McDermott Law Firm, P.A. for assistance. We can help ensure you get the compensation you deserve. Call us today at (727) 367-1080 or contact us online to schedule a consultation.