There are two ways to answer this question.
First, as we mentioned above, Lyft provides its drivers and their passengers with supplemental insurance that covers victims in a Lyft accident in amounts over and above the limits of the Lyft driver’s own personal auto liability insurance.
The insurance offers tiers of coverage depending upon the driver’s status as a Lyft operator at the time of the crash. It offers a small amount of extra coverage for victims of a crash that happened when its driver had logged into the Lyft app but was not driving to or engaged in a ride. It offers a larger amount of coverage for victims of a crash that occurs when a driver was on the way to pick up a passenger or carrying a passenger. So, depending on the circumstances of the crash, Lyft’s insurance may owe you money as compensation for your injuries.
Second, as we also mentioned above, Lyft itself could (at least in theory) have taken actions or made decisions that directly led to the crash and your injury. Lyft tries very hard to protect itself from having legal liability for crashes involving its drivers. However, that does not mean that Lyft enjoys total immunity. So, yes, Lyft itself could also owe you money, at least in theory.
Talk with an experienced Philadelphia Lyft accident lawyer today to explore the possibility of taking legal action against Lyft, and not just against one of its drivers.