Rideshare companies like Lyft have become increasingly popular in Aurora, helping thousands of residents meet a variety of transportation needs. However, Lyft drivers are not subject to the same regulations as traditional taxis and public transportation operators. It is in a passenger’s best interests to fully understand the insurance policy requirements for Lyft drivers in Aurora to determine how they are covered in the event of an accident.
If you have questions regarding compensation for injuries sustained in a Lyft accident, the seasoned car wreck attorneys at the Law Offices of R.F. Wittmeyer, Ltd. could help. Contact us today to schedule a free consultation.
Insurance Requirements for Ridesharing Services
The Illinois Transportation Network Provider’s Act dictates the insurance requirements for Aurora Lyft drivers. Two different sets of insurance requirements must be met, based on whether the driver is logged into the app and in the presence of passengers.
The following requirements apply to Lyft drivers who are logged into the app but do not have passengers:
- Must have a personal insurance policy that meets the minimum state coverage requirements, and while the app is on, the following coverage amounts
- $50,000 for death and personal injury per person
- $100,000 for death and personal injury per accident
- $25,000 for property damage
This coverage is designed to protect individuals who experience damage in an accident caused by an on-duty Lyft driver who is not actively transporting passengers.
Additional requirements apply to drivers from the time they accept a passenger to when the ride is complete. These requirements include insurance coverage of at least $1 million for personal injury, death, and property damage, and uninsured/underinsured motorist coverage of at least $50,000.
Lyft maintains third-party liability coverage that meets the state requirements for bodily injury and property damage. Their policies also include some first-party coverages, such as uninsured motorist coverage. However, the Illinois Transportation Network Providers Act states that it is a driver’s responsibility to ensure they meet the state’s minimum requirements, and that a combination of ridesharing company and personal policies can be used.
How Lyft Insurance Requirements Affect Lyft Passengers
Filing a claim for compensation following a Lyft accident can be more complicated than typical accidents, as the claim typically involves the driver, the rideshare company, and sometimes, other motorists. Determining where to file your claim depends on who is responsible for the wreck and whether you were a passenger.
After a ride-sharing accident, you must provide evidence that supports your claim. Evidence that proves the full scope of damages is vital to getting fair compensation, and completing the legal filing process successfully typically requires assistance from a knowledgeable attorney. An Aurora lawyer experienced in handling Lyft accident claims could examine the details of your case to determine how insurance policy requirements will apply to the filing process.
Contact an Aurora Attorney to Learn More About Insurance Coverage Requirements for Lyft Drivers
Insurance policy requirements for Lyft drivers in Aurora are designed to help passengers and other motorists recover compensation if they are injured in an accident caused by a Lyft driver. However, proving responsibility in a Lyft accident can be challenging. The experienced Lyft accident attorneys at the Law Offices of R.F. Wittmeyer, Ltd. have substantial experience handling the nuances of Lyft and other rideshare cases. Our lawyers could help you gather necessary evidence, navigate the claims process, and hold negligent parties responsible for their actions.
If you have been injured in a Lyft accident, you do not have to navigate the legal claims system alone. Contact us today to schedule a free consultation and receive a professional assessment of your case.