Uber and Lyft Accident Claims in Wisconsin
The insurance Wisconsin requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: While a Wisconsin rideshare (transportation network company) driver is logged on and available but not providing a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus primary… Wis. Stat. § 440.48(1)(b)-(d)
| Uber and Lyft insurance | While a Wisconsin rideshare (transportation network company) driver is logged on and available but not providing a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus primary uninsured motorist coverage. While engaged in transportation network services: primary liability of at least $1,000,000 for death, bodily injury and property damage, plus primary uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. Read in the 2023-24 Wisconsin Statutes PDF on docs.legis.wisconsin.gov (updated through 2025 Wis. Act 247, published 10-1-26). Source: Wis. Stat. § 440.48(1)(b)-(d) |
|---|---|
| Minimum car insurance | Minimum liability limits are $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 $10,000 for property damage. |
| Fault rule (comparative negligence) | Modified comparative negligence (51% bar). An injured person's negligence does not bar recovery if it was not greater than the negligence of the person from whom recovery is sought; damages are reduced in proportion. The injured person's negligence is compared separately against each defendant. A defendant less than 51% at fault pays only its percentage share. Source: Wis. Stat. § 895.045(1) |
| Deadline to sue for an injury | Three years for an action to recover damages for injuries to the person, including injuries from a motor vehicle accident. Source: Wis. Stat. § 893.54(1m)(a) |
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FAQ
What insurance must Uber and Lyft drivers have in Wisconsin?
While a Wisconsin rideshare (transportation network company) driver is logged on and available but not providing a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus primary uninsured motorist coverage. While engaged in transportation network services: primary liability of at least $1,000,000 for death, bodily injury and property damage, plus primary uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim.
What is the minimum car insurance required in Wisconsin?
Minimum liability limits are $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 $10,000 for property damage.
Can you recover damages if you were partly at fault in Wisconsin?
Modified comparative negligence (51% bar). An injured person's negligence does not bar recovery if it was not greater than the negligence of the person from whom recovery is sought; damages are reduced in proportion. The injured person's negligence is compared separately against each defendant. A defendant less than 51% at fault pays only its percentage share.
What is the statute of limitations for personal injury in Wisconsin?
Three years for an action to recover damages for injuries to the person, including injuries from a motor vehicle accident.
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.