Uber and Lyft Accident Claims in Virginia
The insurance Virginia requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: Virginia requires TNC insurance at all times a rideshare vehicle is in TNC operation. From accepting a ride request until the ride ends: primary liability coverage of at least $1 million for death, bodily injury and property damage, plus uninsured and underinsured motorist coverage as… Va. Code § 46.2-2099.52(A)-(C)
| Uber and Lyft insurance | Virginia requires TNC insurance at all times a rideshare vehicle is in TNC operation. From accepting a ride request until the ride ends: primary liability coverage of at least $1 million for death, bodily injury and property damage, plus uninsured and underinsured motorist coverage as required by § 38.2-2206. While logged on and waiting for a request (and between rides): primary 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 uninsured/underinsured motorist coverage as required by § 38.2-2206. Source: Va. Code § 46.2-2099.52(A)-(C) |
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| Minimum car insurance | For policies effective on or after January 1, 2025, an owner's policy must provide at least $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Source: Va. Code § 46.2-472(B) |
| Deadline to sue for an injury | Two years after the cause of action accrues for every action for personal injuries, whatever the legal theory. Source: Va. Code § 8.01-243(A) |
More Virginia personal injury & wrongful death
- Deadlines to File an Injury Lawsuit in Virginia
- Wrongful Death Lawsuits in Virginia
- Medical Malpractice Rules in Virginia
- Car Accident Claims in Virginia
- Dog Bite Liability in Virginia
- Motorcycle Accident Claims in Virginia
- Pedestrian Accident Claims in Virginia
- Bicycle Accident Claims in Virginia
- Truck Accident Claims in Virginia
- Construction Site Injuries in Virginia
- All Virginia personal injury & wrongful death rules
FAQ
What insurance must Uber and Lyft drivers have in Virginia?
Virginia requires TNC insurance at all times a rideshare vehicle is in TNC operation. From accepting a ride request until the ride ends: primary liability coverage of at least $1 million for death, bodily injury and property damage, plus uninsured and underinsured motorist coverage as required by § 38.2-2206. While logged on and waiting for a request (and between rides): primary 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 uninsured/underinsured motorist coverage as required by § 38.2-2206.
What is the minimum car insurance required in Virginia?
For policies effective on or after January 1, 2025, an owner's policy must provide at least $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage.
What is the statute of limitations for personal injury in Virginia?
Two years after the cause of action accrues for every action for personal injuries, whatever the legal theory.
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.