The last status is giving the passenger a ride which also has the same coverage limits because the driver is actively working at the time the accident occurs. What Is The Coverage For Lyft Drivers? As your Lyft accident lawyer can tell you, Lyft also carries a one million dollar insurance policy for their drivers who are on duty. The same rules as the Uber drivers apply to Lyft drivers as well. As long as the Lyft driver is at fault for the accident that occurs, you can rely on having your injury expenses paid by their insurance company. However, it's important to clarify that the Lyft driver's insurance policy will be the first level of coverage. Any expenses in excess of the Lyft driver's policy will be paid by Lyft's insurance policy. Should I Contact A Ridesharing Accident Lawyer? Regardless of whether you were a passenger, a pedestrian, or other party involved in an accident with an Uber or Lyft driver, you should contact a Lyft accident lawyer in order to ensure you receive proper compensation.