Uber and Lyft Accident Claims in Kentucky
The insurance Kentucky requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: For Uber/Lyft-type (transportation network company) vehicles, insurance while the driver is logged in but has not accepted a ride (pre-trip acceptance) must be at least $50,000 for death and injury to one person, $100,000 per incident, and $25,000 for property damage. KRS 281.655(4), (12)
| Uber and Lyft insurance | For Uber/Lyft-type (transportation network company) vehicles, insurance while the driver is logged in but has not accepted a ride (pre-trip acceptance) must be at least $50,000 for death and injury to one person, $100,000 per incident, and $25,000 for property damage. From ride acceptance through the ride (prearranged ride), the minimum is the same as for passenger vehicles in KRS 281.655(4): for vehicles with 7 regular seats, $100,000 per person, $300,000 total for injury or death, and $50,000 property damage. The policies may be issued by an eligible surplus lines insurer. KRS 281.655(4) lists $600,000 total for vehicles with 8 or more regular seats. The statute section read does not set uninsured/underinsured motorist amounts for TNC drivers. Source: KRS 281.655(4), (12) |
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| Minimum car insurance | Kentucky is a no-fault (choice) state. Required liability coverage is at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (or a $60,000 single limit), plus basic reparation (personal injury protection) benefits of up to $10,000 per person. Drivers who accept the no-fault system may sue for pain and suffering only if medical expenses exceed $1,000 or the injury involves permanent disfigurement, a fracture, loss of a body member, permanent injury or loss of bodily function, or death. A person may reject the tort limitation in writing on a Department of Insurance form before an accident. No-fault threshold and rejection: https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=30030 |
| Fault rule (comparative negligence) | Kentucky uses comparative fault. In tort cases involving fault of more than one party, the jury (or judge) finds the total damages and the percentage of fault of each party, including the injured person, and the award is set according to those percentages. The statute does not bar recovery when the injured person is partly at fault, which is generally described as pure comparative fault. Source: KRS 411.182 |
| Deadline to sue for an injury | In general, a lawsuit for an injury to the person must be filed within one year after the cause of action accrued. For injuries from a motor vehicle accident covered by Kentucky's Motor Vehicle Reparations Act, a tort lawsuit may be filed within two years after the injury, the death, or the date of the last no-fault (basic or added reparation) benefit payment, whichever is later. Motor vehicle rule: https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=45816 |
More Kentucky personal injury & wrongful death
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FAQ
What insurance must Uber and Lyft drivers have in Kentucky?
For Uber/Lyft-type (transportation network company) vehicles, insurance while the driver is logged in but has not accepted a ride (pre-trip acceptance) must be at least $50,000 for death and injury to one person, $100,000 per incident, and $25,000 for property damage. From ride acceptance through the ride (prearranged ride), the minimum is the same as for passenger vehicles in KRS 281.655(4): for vehicles with 7 regular seats, $100,000 per person, $300,000 total for injury or death, and $50,000 property damage. The policies may be issued by an eligible surplus lines insurer.
What is the minimum car insurance required in Kentucky?
Kentucky is a no-fault (choice) state. Required liability coverage is at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (or a $60,000 single limit), plus basic reparation (personal injury protection) benefits of up to $10,000 per person. Drivers who accept the no-fault system may sue for pain and suffering only if medical expenses exceed $1,000 or the injury involves permanent disfigurement, a fracture, loss of a body member, permanent injury or loss of bodily function, or death. A person may reject the tort limitation in writing on a Department of Insurance form before an accident.
Can you recover damages if you were partly at fault in Kentucky?
Kentucky uses comparative fault. In tort cases involving fault of more than one party, the jury (or judge) finds the total damages and the percentage of fault of each party, including the injured person, and the award is set according to those percentages. The statute does not bar recovery when the injured person is partly at fault, which is generally described as pure comparative fault.
What is the statute of limitations for personal injury in Kentucky?
In general, a lawsuit for an injury to the person must be filed within one year after the cause of action accrued. For injuries from a motor vehicle accident covered by Kentucky's Motor Vehicle Reparations Act, a tort lawsuit may be filed within two years after the injury, the death, or the date of the last no-fault (basic or added reparation) benefit payment, whichever is later.
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.