Uber and Lyft Accident Claims in Maine

The Uber/Lyft-type (transportation network company) driver or the company must carry primary auto liability insurance. While the driver is logged into the app but not on a prearranged ride, minimums are $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage. During a prearranged ride, the minimum is $1,000,000 for death, bodily injury and property damage. Both periods must include medical payments coverage and uninsured/underinsured motorist coverage, and if the driver's insurance lapses or falls short, the company must cover the claim from the first dollar.

Proof of financial responsibility for each registered vehicle must be at least $50,000 per person and $100,000 per accident for bodily injury or death, $25,000 for property damage, $2,000 in medical payments coverage and $500 for towing and storage charges.

Modified comparative negligence. A claim is not defeated by the injured person's own fault, but the damages are reduced by the amount the jury thinks just and equitable given the claimant's share of responsibility. The statute provides that a claimant found by the jury to be equally at fault may not recover.

Six years. Maine's general rule is that civil actions must be filed within 6 years after the cause of action accrues, unless another statute sets a different period. Personal injury claims fall under this general rule.