Uber and Lyft Accident Claims in Georgia

A transportation network company (Uber/Lyft type) must maintain, or cause to be maintained, primary auto insurance that recognizes the driver as a TNC driver. While the driver is logged on and available for rides, the policy must provide $100,000 for bodily injury or death of all persons in one accident (with up to $50,000 for one person) and $50,000 for property damage. From acceptance of a ride until it ends, the policy must provide at least $1 million for death, personal injury and property damage per occurrence, plus uninsured/underinsured motorist coverage with minimum limits of $300,000 per accident, $100,000 per person and $25,000 for property damage. The coverage may come from a commercial policy bought by the TNC or driver, or from the driver's personal policy endorsement combined with TNC excess coverage; if the driver's coverage lapses, the TNC must provide primary coverage from the first dollar.

Vehicle owners 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).

Modified comparative fault (50% bar). An injured person's damages are reduced by his or her percentage of fault, but a person who is 50% or more responsible for the injury recovers nothing. Fault is apportioned among all responsible persons, including non-parties in some cases, and each defendant generally pays only its own share.

A lawsuit for injuries to the person must be filed within two years after the right of action accrues. Injuries to reputation have one year, and loss-of-consortium claims have four years.