Give Me A LYFT
My client had been a passenger in a Lyft SUV when that vehicle was involved in a two-car accident. I am a seasoned personal injury attorney who has seen a broad array of mishaps, but this was my first matter with a Lyft vehicle.
Do I File No- Fault?Where do I begin? Who is the primary carrier? These were among the questions I began asking myself. I asked other attorneys and even posted the questions on iLaw. The responses were uniform. My colleagues were clear that the insurance carrier for the host is primary. Regardless, I did a bit more research and found it's not quite that simple. In many instances, the host policy does not have a "shared ride" or similar endorsement. In that case, San Francisco based Lyft becomes the primary carrier.
More Questions and Some AnswersI learned you must go online via Google Chrome and type in Lyfthelp.com to report an accident. Soon after, your phone rings. The file then gets assigned to someone who is charged with contacting you via email. The process may look efficient on paper, but, as in most cases, it is more than meets the eye. I'd already used a web browser, the phone and e-mail and I barely started. I still had to follow up to make sure my client was getting appropriate attention. The case was finally assigned to a BI (Bodily Injury) adjuster, but I still had to ask that adjuster to have a PIP (Personal Injury Protection) file opened, which had been my initial request.
Eventually I figured it out and seem to have successfully answered the key questions. It seems that Zurich insures Lyft, and the file is handled by York as a third-party administrator. Based upon my past experiences with York I don't anticipate pure joy, but at least I'm now confident that Lyft is in no position to take me or my client for a ride.