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.
Answer
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.