Uber and Lyft Accident Claims in Missouri
The insurance Missouri 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-type (transportation network company) driver is logged on and available but not on a prearranged ride, primary insurance must be at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured motorist… Mo. Rev. Stat. §379.1702
| Uber and Lyft insurance | While an Uber/Lyft-type (transportation network company) driver is logged on and available but not on a prearranged ride, primary insurance must be at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured motorist coverage. During a prearranged ride, liability coverage must be at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. Source: Mo. Rev. Stat. §379.1702 |
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| Minimum car insurance | Owners must maintain financial responsibility; a motor vehicle liability policy must cover at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Requirement to maintain coverage: https://revisor.mo.gov/main/OneSection.aspx?section=303.025 |
| Fault rule (comparative negligence) | Pure comparative fault. In product liability claims, the statute expressly applies pure comparative fault: the plaintiff's fault reduces the award proportionately but does not bar recovery. Missouri applies the same pure comparative fault approach to negligence cases generally through court decisions. In dog-bite cases, damages are reduced by the injured person's percentage of fault. |
| Deadline to sue for an injury | Five years. Actions for "any other injury to the person or rights of another, not arising on contract" and not otherwise listed must be filed within five years. Some injury claims have shorter periods under other sections (for example, medical malpractice, two years; wrongful death, three years). Source: Mo. Rev. Stat. § 516.120(4) |
More Missouri personal injury & wrongful death
- Deadlines to File an Injury Lawsuit in Missouri
- Wrongful Death Lawsuits in Missouri
- Medical Malpractice Rules in Missouri
- Car Accident Claims in Missouri
- Dog Bite Liability in Missouri
- Sidewalk and Public Property Falls in Missouri
- Motorcycle Accident Claims in Missouri
- Pedestrian Accident Claims in Missouri
- Bicycle Accident Claims in Missouri
- Truck Accident Claims in Missouri
- Construction Site Injuries in Missouri
- All Missouri personal injury & wrongful death rules
FAQ
What insurance must Uber and Lyft drivers have in Missouri?
While an Uber/Lyft-type (transportation network company) driver is logged on and available but not on a prearranged ride, primary insurance must be at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured motorist coverage. During a prearranged ride, liability coverage must be at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim.
What is the minimum car insurance required in Missouri?
Owners must maintain financial responsibility; a motor vehicle liability policy must cover at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
Can you recover damages if you were partly at fault in Missouri?
Pure comparative fault. In product liability claims, the statute expressly applies pure comparative fault: the plaintiff's fault reduces the award proportionately but does not bar recovery. Missouri applies the same pure comparative fault approach to negligence cases generally through court decisions. In dog-bite cases, damages are reduced by the injured person's percentage of fault.
What is the statute of limitations for personal injury in Missouri?
Five years. Actions for "any other injury to the person or rights of another, not arising on contract" and not otherwise listed must be filed within five years.
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.