Uber and Lyft Accident Claims in Indiana
The insurance Indiana requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: While an Uber/Lyft (TNC) driver is logged on but not on a prearranged ride, primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and (after June 30, 2024) $50,000 per incident for property damage is required. IC 8-2.1-19.1-8
| Uber and Lyft insurance | While an Uber/Lyft (TNC) driver is logged on but not on a prearranged ride, primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and (after June 30, 2024) $50,000 per incident for property damage is required. During a prearranged ride, primary liability insurance of at least $1,000,000 per incident for death, bodily injury and property damage is required. The coverage may come from the driver, the company or both, and the company's insurance must cover from the first dollar if the driver's lapses or falls short. Read in the 2025 Indiana Code on iga.in.gov on 2026-10-28. Source: IC 8-2.1-19.1-8 |
|---|---|
| Minimum car insurance | Minimum financial responsibility is $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, the property amount effective July 1, 2018). Source: Ind. Code § 9-25-4-5 |
| Fault rule (comparative negligence) | Modified comparative fault (51% bar). An injured person is barred from recovery if his or her fault is greater than the combined fault of all others whose fault contributed to the damages; otherwise damages are reduced in proportion to his or her fault. Source: Ind. Code § 34-51-2-6 |
| Deadline to sue for an injury | A lawsuit for injury to a person must be filed within two years after the cause of action accrues. Claims for injury from childhood sexual abuse have longer deadlines. Source: Ind. Code § 34-11-2-4 |
More Indiana personal injury & wrongful death
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- Wrongful Death Lawsuits in Indiana
- Medical Malpractice Rules in Indiana
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- Sidewalk and Public Property Falls in Indiana
- Motorcycle Accident Claims in Indiana
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- All Indiana personal injury & wrongful death rules
FAQ
What insurance must Uber and Lyft drivers have in Indiana?
While an Uber/Lyft (TNC) driver is logged on but not on a prearranged ride, primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and (after June 30, 2024) $50,000 per incident for property damage is required. During a prearranged ride, primary liability insurance of at least $1,000,000 per incident for death, bodily injury and property damage is required. The coverage may come from the driver, the company or both, and the company's insurance must cover from the first dollar if the driver's lapses or falls short.
What is the minimum car insurance required in Indiana?
Minimum financial responsibility is $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, the property amount effective July 1, 2018).
Can you recover damages if you were partly at fault in Indiana?
Modified comparative fault (51% bar). An injured person is barred from recovery if his or her fault is greater than the combined fault of all others whose fault contributed to the damages; otherwise damages are reduced in proportion to his or her fault.
What is the statute of limitations for personal injury in Indiana?
A lawsuit for injury to a person must be filed within two years after the cause of action accrues. Claims for injury from childhood sexual abuse have longer deadlines.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.