Lyft provides insurance coverage for drivers in San Diego, but the amount of protection depends on whether the rideshare app is off, waiting for a ride request, or actively transporting a passenger.
For a full overview of local rideshare insurance rules, see San Diego Rideshare Insurance for Uber & Lyft Drivers.
Lyft Insurance Coverage Periods
- App Off: Personal auto insurance applies.
- App On – Waiting for Ride Request: Lyft provides limited liability coverage.
- Ride Accepted / Passenger Onboard: Lyft provides up to $1 million in liability coverage.
Understanding the Waiting Period Coverage Gap
During the waiting period when the rideshare app is on but a ride has not yet been accepted, personal auto insurance policies may deny claims if rideshare activity is detected.
Why Many Lyft Drivers Add Rideshare Insurance
Many San Diego rideshare drivers add a rideshare endorsement to their personal auto insurance policy to ensure continuous protection while waiting for ride requests.
Drivers comparing providers can review Best Rideshare Insurance in San Diego.