Uber and Lyft Accident Claims in Pennsylvania

A transportation network company (TNC) driver, or the company on the driver's behalf, must carry primary auto insurance that recognizes TNC use. While logged on and available but not on a ride: liability of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus first-party medical benefits including $25,000 for pedestrians and $5,000 for the driver. While engaged in a prearranged ride: liability of at least $500,000 for death, bodily injury and property damage, plus first-party medical benefits including $25,000 for passengers and pedestrians and $5,000 for the driver. If the driver's coverage lapses or falls short, the company's insurer must pay from the first dollar. The statute does not list uninsured/underinsured motorist coverage among these requirements.

Minimum financial responsibility is $15,000 for injury to one person, $30,000 for injury to two or more people in one accident, and $5,000 for property damage. Every policy must also include a $5,000 first-party medical benefit. Pennsylvania is a choice no-fault state: insurers must offer a choice between "full tort" coverage and a cheaper "limited tort" option, which limits the right to sue for pain and suffering.

Modified comparative negligence (51% bar). An injured person's negligence does not bar recovery if it was not greater than the combined negligence of the defendants against whom recovery is sought; damages are reduced by the injured person's share. Each defendant's liability is generally several only (each pays its share), with exceptions such as intentional torts and defendants found 60% or more at fault.

Two years for an action to recover damages for injuries to the person caused by the wrongful act, neglect, unlawful violence or negligence of another. Assault, battery, false imprisonment and similar claims also have a two-year deadline.