Georgia Legal Guide: How a Lyft Passenger Can File a Claim Against Lyft After a Car Accident
Can I file a claim against Lyft if another driver caused the accident?
Yes. Even if your Lyft driver was not at fault, you may pursue compensation through Lyft’s UM/UIM coverage. Under O.C.G.A. § 33-7-11, this coverage may apply when the at-fault driver’s insurance is insufficient to cover your damages.
When does Lyft’s insurance coverage begin?
Lyft’s $1 million Period B coverage begins when the driver accepts your ride request — not when you enter the vehicle. Under O.C.G.A. § 33-1-24(b), coverage applies from ride acceptance through trip completion, including the pickup phase.
Can I sue Lyft’s insurance company directly?
For accidents occurring on or after July 1, 2024, Georgia law generally prohibits “direct action” lawsuits against a rideshare company’s liability insurer. Under the revised O.C.G.A. § 40-1-112(c), you must pursue a claim against the at-fault party rather than their insurance company directly.
Does Lyft’s liability insurance cover me if my driver caused the crash?
Yes. Lyft’s $1 million liability policy during Period B applies to injuries caused by the driver’s negligence, including injuries to passengers. Under O.C.G.A. § 33-1-24(b), passengers are considered third parties covered by the policy.
