I have State Farm insurance and they are dropping me for being a lyft
driver.. Does anyone know where I can get insurance at?? I don't
understand why they are doing this.. I have full coverage on my car..
this is something else that is not informed to drivers during
orientation - that current insurance companies do not have coverage that
fit the ridesharing style and that reporting that you are driving for
Lyft could result in them considering you too much of a risk and drop
insurance co is dropping me.. Cause I told them I need to make sure I
am covered while driving and if anythings happens I don't want them to
deny a claim.. She said they don't have that coverage so to look for
another company that does..
mine told me that they'd drop me if I drove for Lyft so I said Ok, I
won't bother driving for them. And am still driving. But I'm willing to
take the risk. AFAIK, if I get into an accident that requires me to
inform my insurance company that I work for Lyft, people will still be
covered (due to Lyft's own policy) but my car won't be. Oh and they'll
then drop me too.
previous posts, there are currently no insurance carriers that will
insure your car for the business purpose of transporting people
(although a couple of people are working with insurance companies to
change this - there's been no word of it being approved yet.)
someone says they will, read the policy carefully about what it will
cover and have them point out where and what it says will be covered if
you have an accident while transporting passengers for money. An agent's
word, even in writing, isn't a guarantee. It has to be in the policy
how are we supposed to be driving around with our car not being
protected is my question? I mean lyft should say "drive at your own
risk" I have to have my car protected I still have a note on it.. I
can't afford not to be covered.. Guess I won't be driving for lyft
drivers have stopped because of the insurance issue. It's something
Lyft is working on. Why they don't inform potential new drivers I won't
hazard a guess. I haven't attended any recent trainings but during mine 3
months ago, I wasn't informed about the Cease and Desist Order from SFO
I get into an accident, I don't plan on informing my insurance company
why I was driving, just what happened. IMO, it's none of their business.
Bessy Rocio Orellana check
with Allstate local...I just spoke with a general Allstate agent and
she said that because lyft does have their 1 mill policy...they can find
a policy that can match the limits necessary for you to drive
insured....prices of course might be higher, but still
peace of mind is worth it. My recommendation is to call a local Allstate
carrier and tell them about lyft 1 mill liability insurance policy and
go from there.
not worried about the liability part.. I have good liability coverage
on my policy.. What I'm worried is about my collision if I hit I need my
car fixed.. I understand some companies cover the liability only but I
need all way coverage too
I'm talking about covering yourself completely...since lyft is already covering the liability side for your passengers...it gives your insurance company more incentive to find a full coverage plan for your car in case of any accident.
is (currently) NO collision insurance plans for privately owned
vechicles operating to transport passengers as a business. It doesn't
exist. They may eventually come up with one but for now, there isn't
only way to get your car collision taken care of is for your insurance
company to not know you were driving for lyft when it happened. You tell
them the specifics and details of the accident but leave out any
mention of lyft, ridesharing or transporting people for donations.
Markus Dark is right. there is no company that will cover for ur while driving for lyft. Davis Highway Lee,Shawn C. Reed, & some other drivers did a research on this. Bottom line, It's a risk to drive for lyft now.
Carlos Angel I
spent a couple weeks calling insurance companies of every stripe,
including the companies that insure taxis and limos, but no one is able
to write a policy for Lyft. Essentially the problem is that no one has
calculated the risks yet, and without calculating the risk insurance
companies wouldn't be able to set a price for coverage.
heard from one agent that the best solution would be for Lyft to
partner with a major insurance carrier and offer to basically guarantee
against the risk the insurance company would be taking by allowing Lyft.
actually what we're doing is personal. We're private contractors using
our personal cars to pick people up and transport them not for fares but
of us have a class A license which is what is currently required by law
to transport passengers as a business nor the required medallion or TCP
numbers for the vehicles where we could then get a commercial
I said, there isn't an insurance system out there to cover what we're
doing. The PUC needs to make sure the public is covered - which is what
Lyft's liability insurance does. However, we're on the hook for our
Markus Dark I
didn't say anything about lyft not having our backs. I wouldn't be
driving if I didn't trust them. It's just that this an issue that we are
dealing as of the moment. btw, who's CARLOS? lol
keep us posted. Hopefully this issue is resolved soon and we have
choices of insurance providers. Seems to me Lyft (as well as Sidecar and
UberX) risks a mass exodus if there ends up being an epidemic of
insurance claims being denied.
had a customer this morning that asked about our insurance. She said
some cabbies were handing out flyers saying that it was dangerous to
ride with us because we are uninsured. I told her that Lyft has a
million dollar liability policy if our personal insurance doesn't cover
it. My carrier, CSAA, said I was covered and hopefully that story
doesn't change if I ever need it.
I called my State Farm agent she said she had just got out of a meeting
about how they intend to handle ride share insurance. She said there's
no precedent and that's what's holding things up (along the lines of
what Tony said). Trust me, they want to take our money and will find a way ASAP
the ca dept of insurance on monday and tell them about the cancellation
letter you recieved and explain to them that the insurance company has
made a definition and misclassification error and
discriminating against you on false pretenses. only a judge can make a
definition of a classification such as a lyft driver to be standardized
for an insurance company. it could be a class action law suit if they
persist with these sorts of tactics. insurance is regulated by the state
and im sure there was meeting in the state gvernment about lyft driver
insurance coding nd classification for the sake of jurisprudence.