What If the Other Driver, Not the Lyft Driver, Caused My Accident in West Palm Beach?

You may still have coverage options. If a third-party driver caused the accident while you were riding in a Lyft, their liability insurance is generally the primary source of compensation. However, if that driver is uninsured or underinsured, Lyft’s policy may provide supplemental coverage to help cover your medical expenses and other losses. Florida law requires insurers to offer uninsured motorist coverage, though policyholders may reject it in writing under § 627.727, F.S. During an active Lyft ride, Lyft’s policy is required under § 627.748, F.S., to include uninsured and underinsured motorist coverage, which may provide additional protection when the at-fault driver’s coverage falls short.