I was hit and my insurance only wants to cover 50

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I was hit and my insurance only wants to cover 50

I got T-boned at an uncontrolled
intersection driving with Lyft. The
said they can’t use my insurance
because I was using it for commercial
purposes which Lyft didn’t advice me.
Lyft has a 2500 deductible. I believe I
should not have been allowed to drive
without a commercial insurance.I would
rather buy commercial insurance rather
than deal with this headache.

Asked on March 27, 2017 under Accident Law, Washington

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

It is not Lyft's (or any employer's) responsibility to make sure that you have commerical insurance, or even know the rules about commerical vs. non-commercial insurance: it is your responsibility know what insurance you need and, if you want it, to obtain it. Therefore, if you did not look into this and get the insurance you needed, you are liited to whatever coverage you are getting through Lyft.


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