Final answer:
Lyft is usually the policyholder when a driver is on a trip, but it can depend on the specific circumstances of when the insurance is needed.
Step-by-step explanation:
When driving for Lyft, and Lyft provides the insurance, law enforcement typically considers Lyft as the policyholder. However, the specific details can depend on the terms of the insurance policy and the situation at hand. For example, when a Lyft driver is actively driving a passenger, Lyft's insurance is primary and they are indeed the policyholder. On the other hand, when the driver is not actively engaged in a ride, their personal insurance may be primary. Thus, the correct answer is d) Depends on the situation.
According to law enforcement, both the driver and Lyft are considered policyholders when the driver is driving for Lyft and using Lyft's insurance coverage.
This is because the driver and Lyft have a contractual agreement that allows the driver to use Lyft's insurance while providing rides. Both parties are responsible for the insurance coverage and any claims that may arise.
For example, if there is an accident while the driver is actively providing a ride for Lyft, law enforcement and insurance companies would consider the driver and Lyft as the policyholders since both have a stake in the insurance coverage.