Uber and Lyft Accident Claims in Arkansas

Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but not engaged in a prearranged ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage is required. While engaged in a prearranged ride, primary liability coverage of at least $1,000,000 for death, bodily injury and property damage is required. The coverage may come from the driver, the TNC or a combination; if the driver's coverage lapses or is insufficient, the TNC's insurance must cover the claim from the first dollar. The section read sets no separate uninsured/underinsured motorist amount.

Drivers must carry liability insurance of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one accident, and $25,000 for property damage (25/50/25). Private passenger auto policies must also provide no-fault benefits paid regardless of fault: medical and hospital expenses up to $5,000 per person, 70% of lost income up to $140 a week for up to 52 weeks, and a $5,000 accidental death benefit.

Modified comparative fault (50% bar). An injured person whose fault is less than the fault of the defendant(s) can recover damages reduced by his or her share of fault. A person whose fault is equal to or greater than the defendants' fault recovers nothing. This applies to personal injury, wrongful death and property damage claims based on fault.

Arkansas's general three-year statute of limitations covers actions "founded on any contract or liability, expressed or implied," and this is the period generally used for negligence-based personal injury claims. The statute itself does not use the words "personal injury."