The Lyft service term agreement.
Lyft purchases various insurance coverages <–(redirect link to actual insurance term page) to protect Drivers, Riders and third parties (these policies do not apply in the State of New York). As with any automobile insurance policy, additional insurance terms, limitations, and exclusions apply. We do not procure insurance for, nor are we responsible for, personal belongings left in the car by Driver(s) or Rider(s).
This is an unofficial summary of Lyft’s master insurance policy and may not always be up-to-date. None of the statements in this section should be interpreted as binding and are provided for quick reference only.”
*note the terms:
‘various insurance coverages’
‘these policies do not apply in the state of New York’
‘this is an unofficial summary’ yet this is the official agreement for passengers AND drivers
Contents of redirect link:
“How does Lyft’s liability coverage work?
Our liability insurance is designed to act as the primary coverage during the period from the time you accept a ride request until the time the ride has ended in the app. Note: If you have commercial insurance, Lyft’s policy remains excess of your commercial insurance coverage.”
*NOTE, that this term and all other terms on the same page make no reference to the establishment of additional insurance coverage from ANY source especially Lyft if the driver DOES NOT already have their own ‘commercial insurance’ coverage. Commercial insurance for a personal vehicle with no additional warranty, comprehensive regular maintenance plan and of course NOTIFICATION TO INSURANCE WARRANTY AND SERVICE PROVIDERS is impossible to find for less than $500 a MONTH. Upgrading a warranty and service plan to required levels to sustain one personal vehicle also ads several hundred dollars annually.
Lets look closer:
‘How does contingent liability coverage work?
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.’
‘in the event your personal insurance does not respond.’
Unless you have never read an auto insurance policy (which is likely seeing as you have never read the Lyft tos) it is clearly stated on ALL auto insurance policies that if the driver/vehicle owner does not inform their own insurance provider of commercial activity being performed with a personal vehicle and the nature of the commercial activity (transport,medical,delivery) then THE POLICY IS INVALIDATED.
Which means, by the terms in Lyfts TOS that if the driver does not inform their own provider and upgrade the policy accordingly then lyft’s offer of added coverage is also invalidated.
No insurance from the driver, no insurance from lyft, no insurance at all.
Which is why in EVERY reported case of a Lyft driver wrecking, there has been NO INSURANCE COVERAGE.