Uber and Lyft Accident Claims in Oklahoma

Uber/Lyft-type (TNC) drivers must carry primary auto insurance that recognizes TNC use, maintained by the driver, the company or both. While logged on and available but not on a ride: 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 unless waived. While engaged in a prearranged ride: at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage unless waived. If the driver's insurance lapses or falls short, the company's insurance must pay from the first dollar.

Every owner must keep liability security on a registered vehicle. A motor vehicle liability policy must provide at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage.

Modified comparative negligence (51% bar). An injured person's own negligence does not bar recovery unless it is of greater degree than the negligence of the person causing the harm, or greater than the combined negligence of all persons causing it. The statute covers personal injury, wrongful death and property damage claims.

Two years for an action for injury to the rights of another not arising from a contract, which covers most negligence-based injury claims. Assault, battery, libel, slander, malicious prosecution and false imprisonment have a one-year deadline.