A Lyft crash can involve the driver's insurance, Lyft's insurance, and another driver's insurance, and which of them applies depends on what the driver was doing in the app when it happened. Ali Law Group reviews your case for free and explains what your options may be, whether you were a passenger, a pedestrian, or in another car.
Most car accident claims start with one at-fault driver and that driver's insurer. A Lyft crash often starts with a question: was the driver logged into the app, on the way to pick someone up, or carrying a passenger? The answer decides whose policy responds and for how much, and the app keeps a record of it.
Texas law sets the minimum insurance for rideshare drivers by what the driver is doing:
| What the driver is doing | Required liability coverage |
|---|---|
|
Logged in to the app, waiting for a request
|
|
|
Has accepted a ride and is engaged in it
|
|
|
Not logged in
|
The driver's own personal policy
|
The law also requires uninsured and underinsured motorist coverage where Texas Insurance Code §1952.101 calls for it. A driver's personal insurer is also allowed to exclude coverage while the driver is logged in to the app or on a ride, so a driver's own policy may not help. These are minimums, and the actual policies and what they cover depend on the facts.
Lyft's records can show whether the driver was waiting, heading to a pickup,
or carrying a passenger, along with the route and timing.
Phone records and dashcam or traffic camera footage can add to that.
If you were a passenger, keep a screenshot of your ride receipt and trip details.
We send a written request asking Lyft and the driver to preserve their records,
since we don't know how long any of it is kept.
Report the crash through the app, and keep the confirmation.
App terms can include an arbitration clause or other limits on how a claim against the company is brought,
and we read the terms that applied to your ride before deciding how to proceed.
You are also not required to give a recorded statement to Lyft's insurer.
Passengers in the back seat are often belted but still take the force of a side or rear impact.
Neck and back injuries, broken bones, and concussions are common.
Some crashes cause a traumatic brain injury or a
spinal cord injury, and the most serious can lead to a
catastrophic injury that needs care for life.
If someone you love died in a crash,
Texas law
lets certain family members bring a claim, and our page on
wrongful death explains more.
If the other side says you share the blame, your recovery drops by your percentage of fault, and
past 50 percent you recover nothing.
Prior results do not guarantee a similar outcome.
Every case is decided on its own facts.
Texas gives you two years from the crash
to file suit, and a child's clock runs differently.
Tell us what happened. We'll review your case for free and explain what your options may be.