Uber and Lyft Accident Claims in Tennessee
The insurance Tennessee requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: While a rideshare (transportation network company) driver is logged on to the app but not engaged in a ride, insurance must provide at least $50,000 per person and $100,000 per incident for death and bodily injury, and $25,000 for property damage. Tenn. Code Ann. § 55-12-141(c)(1), (d)(1)
| Uber and Lyft insurance | While a rideshare (transportation network company) driver is logged on to the app but not engaged in a ride, insurance must provide at least $50,000 per person and $100,000 per incident for death and bodily injury, and $25,000 for property damage. While the driver is engaged in a prearranged ride, coverage must be at least $1,000,000 for death, bodily injury and property damage. If the driver's own insurance has lapsed or does not provide the required coverage, the company's insurance must provide it. Read on codes.findlaw.com (a public copy of the official code); check against the official code. The FindLaw page says it is current as of January 2, 2024. Uninsured/underinsured motorist coverage terms were not confirmed from the text read. |
|---|---|
| Minimum car insurance | Proof of financial responsibility (for proof required after December 31, 2022) means a split-limit policy of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one accident, and $25,000 for property damage, or a $65,000 single-limit policy, cash deposit or bond. Source: Tenn. Code Ann. § 55-12-102(12) |
| Fault rule (comparative negligence) | Modified comparative fault (50% bar). The damages statute provides that recovery of any damages is barred if the plaintiff's comparative fault (or in a wrongful death case, the fault of the person who died) is equal to or greater than 50%. Noneconomic damages are apportioned among multiple defendants by their percentage of fault. Source: Tenn. Code Ann. § 29-39-102(b) |
| Deadline to sue for an injury | One year after the cause of action accrues for injuries to the person. The deadline is two years if criminal charges are brought against the person who caused the injury (or the conduct is the subject of a criminal prosecution started within one year), and the injured person sues the person prosecuted. Source: Tenn. Code Ann. § 28-3-104(a) |
More Tennessee personal injury & wrongful death
- Deadlines to File an Injury Lawsuit in Tennessee
- Wrongful Death Lawsuits in Tennessee
- Medical Malpractice Rules in Tennessee
- Car Accident Claims in Tennessee
- Dog Bite Liability in Tennessee
- Sidewalk and Public Property Falls in Tennessee
- Motorcycle Accident Claims in Tennessee
- Pedestrian Accident Claims in Tennessee
- Bicycle Accident Claims in Tennessee
- Truck Accident Claims in Tennessee
- Construction Site Injuries in Tennessee
- All Tennessee personal injury & wrongful death rules
FAQ
What insurance must Uber and Lyft drivers have in Tennessee?
While a rideshare (transportation network company) driver is logged on to the app but not engaged in a ride, insurance must provide at least $50,000 per person and $100,000 per incident for death and bodily injury, and $25,000 for property damage. While the driver is engaged in a prearranged ride, coverage must be at least $1,000,000 for death, bodily injury and property damage. If the driver's own insurance has lapsed or does not provide the required coverage, the company's insurance must provide it.
What is the minimum car insurance required in Tennessee?
Proof of financial responsibility (for proof required after December 31, 2022) means a split-limit policy of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one accident, and $25,000 for property damage, or a $65,000 single-limit policy, cash deposit or bond.
Can you recover damages if you were partly at fault in Tennessee?
Modified comparative fault (50% bar). The damages statute provides that recovery of any damages is barred if the plaintiff's comparative fault (or in a wrongful death case, the fault of the person who died) is equal to or greater than 50%. Noneconomic damages are apportioned among multiple defendants by their percentage of fault.
What is the statute of limitations for personal injury in Tennessee?
One year after the cause of action accrues for injuries to the person. The deadline is two years if criminal charges are brought against the person who caused the injury (or the conduct is the subject of a criminal prosecution started within one year), and the injured person sues the person prosecuted.
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.