Lime's personal accident and rider liability coverage is conditioned on the user being in full compliance with the User Agreement terms at the time of the incident; any breach of the terms voids coverage and makes the user responsible for the full cost of any resulting damage.
This analysis describes what Lime's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision ties insurance coverage eligibility to compliance with the entire User Agreement, meaning that any breach of any term at the time of an incident, including minor procedural requirements, could result in denial of coverage. Users would then bear full financial responsibility for accident-related damages.
Interpretive note: The scope of which User Agreement breaches trigger coverage denial, and whether a causal nexus between the breach and the incident is required, is not specified in the provision and may be subject to state insurance regulatory interpretation.
Under this clause, Lime's personal accident and rider liability coverage is voided if the user was in breach of any term of the User Agreement at the time of the incident. Users in breach at the time of an accident are responsible for the full cost of damages, including personal injury and property damage costs.
Cross-platform context
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Compare across platforms →"For certain Products and in certain locations, we may provide personal accident coverage and/or rider liability coverage for specified damages arising from your use of a Product if you fully comply with, and were in full compliance with, these Terms and all applicable insurance terms and conditions here at the time of the incident. However, such personal accident or rider liability coverage does not cover damage that occurs while you are in breach of the Terms or any applicable insurance terms and conditions, and in such an event you will be responsible for the full cost of such damage.Excerpt from Lime's Terms of Service
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This provision ties insurance coverage eligibility to compliance with the entire User Agreement, meaning that any breach of any term at the time of an incident, including minor procedural requirements, could result in denial of coverage. Users would then bear full financial responsibility for accident-related damages.
Under this clause, Lime's personal accident and rider liability coverage is voided if the user was in breach of any term of the User Agreement at the time of the incident. Users in breach at the time of an accident are responsible for the full cost of damages, including personal injury and property damage costs.
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