Uber and Lyft Accident Claims in Connecticut

Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but not on a ride, primary liability coverage of at least $50,000 per person and $100,000 per accident for bodily injury or death and $25,000 for property damage is required, plus uninsured and underinsured motorist coverage under the state's UM statute. While providing a prearranged ride, primary liability coverage of at least $1,000,000 per accident is required, plus uninsured and underinsured motorist coverage. The coverage may come from the driver, the TNC or both; if the driver's policy lapses or does not cover the claim, the TNC's policy must pay from the first dollar.

Auto liability policies must provide at least $25,000 for injury or death of one person, $50,000 for injury or death of more than one person in an accident, and $25,000 for property damage (25/50/25).

Modified comparative negligence (51% bar). In negligence cases, an injured person can recover if his or her negligence was not greater than the combined negligence of the defendants (including settled or released parties). Damages are reduced by the injured person's percentage of negligence. Each defendant is generally liable only for its proportionate share of damages.

A lawsuit for personal injury caused by negligence or by reckless or wanton misconduct must be filed within two years from the date the injury is first sustained or discovered (or reasonably should have been discovered), and no more than three years from the date of the act or omission. Other tort claims not covered by that rule (for example, many intentional torts) have three years from the act or omission.