Yes, the rideshare insurance requirements will apply if you suffer injuries as a pedestrian because of a Lyft driver. In these cases, the same rules will apply. If the driver is traveling for their own purposes and not logged into the app, you will have to pursue a claim with their insurance. If the driver’s logged into the app, the $50,000 policy applies, whereas if the driver accepts a ride or is transporting a passenger, the $1.5 million policy will apply.