Uber and Lyft Accident Claims in New Hampshire

While a rideshare (TNC) driver is logged on to the app but not engaged in a prearranged ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage (including the duty to defend) is required, plus coverage consistent with New Hampshire financial responsibility laws. While the driver is engaged in a prearranged ride, primary liability coverage of at least $300,000 for death, bodily injury and property damage is required, plus coverage consistent with the financial responsibility laws. Coverage may come from the driver, the company or both, and the company's insurance must pay from the first dollar if the driver's coverage lapses.

When proof of financial responsibility is required, it must show ability to pay at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage; a motor vehicle liability policy must meet those limits and include at least $1,000 per person in medical payments coverage.

Modified comparative fault (51% bar). The plaintiff's own fault does not bar recovery if it was not greater than the fault of the defendant (or of all defendants combined), but damages are reduced in proportion to the plaintiff's share of fault. The party claiming fault must prove it.

Three years from the act or omission. If the injury and its connection to the act or omission were not discovered and could not reasonably have been discovered at the time, the three years run from when the injured person discovered (or reasonably should have discovered) them.