Uber and Lyft Accident Claims in Iowa

Transportation network company (Uber/Lyft type) drivers, or the company on their behalf, must keep primary auto insurance that recognizes TNC driving. While logged on and available but not on a prearranged ride: at least $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property damage per accident. While engaged in a prearranged ride: at least $1 million for bodily injury, death and property damage per accident. The coverage may come from the driver, the company or both, it is in addition to other required auto coverage, and if the driver's insurance lapses or falls short the company's insurance must cover from the first dollar and defend the claim.

Drivers must have financial liability coverage in effect. The minimum amounts are $20,000 for injury or death of one person, $40,000 for injury or death of two or more people in one accident, and $15,000 for property damage (20/40/15).

Modified comparative fault (51% bar). An injured person's own fault does not bar recovery unless it is greater than the combined fault of the defendants, third-party defendants and released persons; damages are reduced by the injured person's percentage of fault.

A lawsuit founded on injuries to the person (or reputation), whether based on contract or tort, must be filed within two years after the claim accrues.