08/15/2026
The Lyft driver had just tapped 'end trip' near Vivion and NE 41st when his bumper caught a cyclist merging into the lane.
A moment earlier, before he ended the trip, that same crash falls under Missouri's $1,000,000 commercial policy, the coverage tied to an active trip that runs from ride acceptance to drop-off. A moment later, with the app logged off, his own personal auto insurance carries the claim instead. And if he'd simply logged back on to wait for a match instead of logging out, the number that applies is $50,000 per person and $100,000 per incident, not seven figures.
Which tier applies isn't settled by the police report. It comes down to app timestamps and trip records, the kind of data an adjuster pulls before your file even lands on a desk.
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