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Can You Sue Uber or Lyft After an Accident in Missouri?

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Suing Uber or Lyft after an accident in Missouri is possible under certain conditions. Contact us today to schedule a free consultation.

Rideshare services like Uber and Lyft have revolutionized transportation, but accidents involving these services raise complex legal questions. If you’ve been injured in an Uber or Lyft accident in Missouri, you may wonder whether you can sue the rideshare company for damages.

Contact The Hoffmann Law Firm, L.L.C., for a free consultation if you’ve been injured in a rideshare accident.

st. louis man in the backseat of an uber

Who is Liable in an Uber or Lyft Accident?

Determining liability in a rideshare accident depends on several factors, including who was at fault and the rideshare driver’s status at the time of the accident. Missouri follows a comparative fault system, meaning that fault can be shared among multiple parties (Missouri Revised Statutes Section 537.765).

Potentially liable parties include:

  • The rideshare driver (if their negligence caused the accident)
  • Uber or Lyft (if the driver was actively engaged in a ride and company policies contributed to the accident)
  • Another driver (if a third-party driver caused the collision)
  • Vehicle manufacturers or maintenance providers (if a defect or mechanical failure played a role in the accident)

When Can You Sue Uber or Lyft?

Unlike traditional employers, Uber and Lyft classify their drivers as independent contractors, often shielding them from direct liability. However, rideshare companies provide insurance coverage that may apply to specific circumstances.

If the Rideshare Driver is At Fault

Uber and Lyft offer insurance coverage based on the driver’s status at the time of the accident:

  • Driver Not Logged into the App: The rideshare company provides no coverage; the driver’s insurance applies.
  • Driver Logged in but Without a Passenger: Uber and Lyft provide contingent liability coverage up to $50,000 per person for injuries, $100,000 per accident, and $25,000 for property damage (Uber Insurance Policy, Lyft Insurance Policy).
  • Driver Engaged in a Ride: Uber and Lyft offer $1 million in liability coverage, which can be used for injury claims if the driver was at fault.
the-legal-implications-of-rideshare-accidents-in-st-louis

If Uber or Lyft’s Negligence Contributed

You may have grounds to sue Uber or Lyft directly if you prove the company’s negligence contributed to the accident. This could include:

  • Failure to properly vet drivers (e.g., allowing unqualified or dangerous drivers on their platform)
  • App malfunctions leading to unsafe driving behavior
  • Inadequate safety policies

What Damages Can You Recover?

If you are injured in an Uber or Lyft accident, you may be entitled to compensation for:

  • Medical expenses (current and future costs)
  • Lost wages (if your injuries prevent you from working)
  • Pain and suffering
  • Property damage

The amount of compensation depends on factors such as injury severity, liability, and insurance coverage available.

How to File a Claim Against Uber or Lyft

Step 1: Seek Medical Attention

Your health is the top priority. Document all injuries and treatments, as medical records are crucial for your claim.

Step 2: Report the Accident

  • To Uber or Lyft: You can report the accident directly through the rideshare app.
  • To Law Enforcement: Missouri law requires accidents involving injury, death, or property damage over $500 to be reported (Missouri Revised Statutes Section 303.040).

Step 3: Gather Evidence

  • Photos and videos of the accident scene
  • Witness statements
  • Medical records
  • Rideshare trip details

Step 4: Contact an Attorney

An experienced rideshare accident attorney can help navigate the complexities of Uber and Lyft insurance policies and determine whether a lawsuit is necessary.

Statute of Limitations for Filing a Lawsuit

In Missouri, you must file a personal injury claim five years from the accident date (Missouri Revised Statutes Section 516.120). However, if the accident resulted in a fatality, a wrongful death claim must be filed within three years.

Updated: February 21, 2025