Rideshare Injury Cases
Hurt in a Lyft accident? Which insurance applies depends on what the driver was doing in the app. How Kentucky’s rideshare insurance rules work and what to do next.
Reviewed by Larry Forman, Attorney.
A crash involving a Lyft driver can involve three or more insurance policies: the driver’s personal auto policy, the coverage Lyft carries for its drivers and your own Kentucky no-fault and uninsured/underinsured motorist coverage. Which one pays, and how much is available, depends on the driver’s status in the Lyft app at the moment of the crash. Forman & Associates is a Louisville based trial firm that handles Lyft accident claims for passengers, other drivers, pedestrians and cyclists.
Key takeaways

Kentucky regulates Lyft as a transportation network company (TNC) under KRS 281.655. The insurance that applies changes with what the driver is doing:
Kentucky’s regulation also requires TNC coverage to include basic reparation (PIP) benefits and uninsured and underinsured motorist coverage while the driver is logged in (601 KAR 1:113).
Lyft says it provides at least $1 million in third-party auto liability coverage from the time a driver accepts a ride until the ride ends in most markets, and more limited coverage while a driver is in driver mode waiting for a request. Lyft also notes that coverage may be lower or not provided in some markets (source: Lyft driver insurance page).
Because Lyft states its coverage varies by market, we confirm the Kentucky policy in force on the date of the crash.
Coverage can change, and the policy in force on the date of your crash controls. We request the actual policies rather than relying on summaries.
Your own no-fault (PIP) coverage, or the coverage on the vehicle you were in, generally pays the first medical bills and lost wages regardless of fault; see how Kentucky PIP works. To recover pain and suffering from an at-fault driver, Kentucky’s no-fault law generally requires more than $1,000 in medical expenses, or an injury such as a fracture, permanent injury, permanent disfigurement or permanent loss of bodily function (KRS 304.39-060). Kentucky uses pure comparative fault: your share of fault reduces your recovery but doesn’t bar it (KRS 411.182).
Most Kentucky personal injury claims must be filed within one year (KRS 413.140). Most motor vehicle injury claims have two years from the injury or the last PIP payment, whichever is later (KRS 304.39-230). Use our statute of limitations calculator to estimate your dates.
Usually the claim is against the driver and the insurance Lyft provides. Whether Lyft itself can be liable depends on the facts. We look at every source of coverage.
If the driver was logged in and waiting for a request, Kentucky’s lower “waiting” minimums apply, and Lyft’s coverage may be limited. If the app was off, only the driver’s personal policy applies.
Kentucky no-fault rules decide which PIP coverage pays first. Our team can help sort out which policy applies.
Your own policies, the at-fault driver’s coverage and Lyft’s coverage may all matter. Read the policy terms carefully and get advice before signing anything.
Call us or request a free case review. We’ll sort out which insurance applies.
Get a free case evaluation or call 502-931-6788.
This page is general information about Kentucky law as of October 2026, not legal advice. Every case is different.