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Question

Do I claim my stolen vehicle with Lyft or GEICO?

I was driving my personal vehicle for Lyft when it was stolen at gunpoint. What do I do and who do I call? I have already called the police and my insurance company they say they won't do anything and that Lyft is responsible, but Lyft says I'm on my own.

Jan 23, 2019 Houston, TX

Answer
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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

This can depend. Most car insurance companies work together with Lyft and Uber to provide coverage as long as you have a rideshare endorsement. Below is a breakdown of how the coverage works. Depending on what stage the accident occurred, you can find coverage from Lyft or GEICO.

Period Insurance Coverage
Period 0 Offline: Your personal policy
Period 1 Online WITHOUT ride request: Rideshare insurance + Lyft coverage
Period 2 Online WITH ride request but NO rider: Lyft coverage
Period 3 Online WITH rider in vehicle: Lyft coverage

One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information. If they are not wanting to provide coverage, you can seek legal advice to see if you have any other options. Good luck and if you have any questions don't hesitate to ask.

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