Uber and Lyft Accident Claims in Delaware

Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but not on 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, plus personal injury protection where required and uninsured/underinsured motorist coverage of at least $100,000 per incident. During a prearranged ride, primary liability coverage of at least $1,000,000 for death, bodily injury and property damage is required, plus uninsured/underinsured motorist coverage of at least $1,000,000 per incident. The coverage may come from the driver or the TNC; if the driver's insurance lapses or falls short, the TNC's insurance must cover from the first dollar.

Every registered vehicle must carry liability insurance of at least $25,000 for injury or death of one person, $50,000 for two or more people in one accident, and $10,000 for property damage (25/50/10). Delaware also requires personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident for medical expenses, lost earnings and similar costs incurred within 2 years of the accident (funeral costs up to $5,000), plus $10,000 coverage for damage to property other than vehicles. PIP covers occupants of the insured vehicle and pedestrians it hits.

Modified comparative negligence (51% bar). An injured person whose negligence was not greater than the negligence of the defendant (or of all defendants combined) can recover, but damages are reduced by his or her percentage of negligence.

A lawsuit for personal injuries must be filed within 2 years from the date the injuries were sustained.