How Missouri’s Personal Injury Laws Handle Injury Claims Involving Rideshare Accidents
Rideshare services like Uber and Lyft have become increasingly popular in Missouri, providing convenient transportation options. However, as the number of rideshare vehicles on the road increases, so does the potential for accidents. Understanding how Missouri’s personal injury laws apply to rideshare accidents is crucial for anyone involved in such incidents.
In Missouri, personal injury claims follow a fault-based system. This means that the party responsible for the accident – whether it be the rideshare driver, another driver, or even a pedestrian – can be held liable for damages. When filing a claim for a rideshare accident, it’s necessary to identify who is at fault and how negligence played a role in the incident.
Missouri law adheres to a comparative negligence rule. If you are injured in a rideshare accident and are found to be partially at fault, your compensation may be reduced by your percentage of fault. For instance, if you are awarded $100,000 but found to be 20% at fault, you would receive $80,000. This principle emphasizes the importance of gathering sufficient evidence to establish the other party’s liability.
When pursuing a claim following a rideshare accident, an injured party typically has two potential avenues: they can file a claim against the rideshare driver’s insurance or the insurance of the other vehicle involved. Most rideshare companies provide insurance coverage to their drivers while they are engaged with a passenger. In Missouri, Uber and Lyft maintain a liability insurance policy that covers injuries and damages caused by their drivers when they are actively ridesharing.
It’s important to note the different levels of coverage based on the driver’s status. If the rideshare driver is not logged into the app, they may have limited personal auto insurance. When the driver is waiting for a ride request or transporting a passenger, the rideshare company's commercial insurance may apply. This coverage can be up to $1 million for bodily injury and property damage for rideshare drivers who are actively engaged in a ride.
To strengthen your case in a rideshare accident claim, collecting evidence is essential. This can include:
- Photos of the accident scene and vehicle damage
- Witness statements
- Medical records and bills
- Police reports
Consulting with a personal injury attorney who is experienced in rideshare cases can be beneficial. An attorney can help navigate the complexities of liability, negotiate with insurance companies, and ensure that your rights are protected. They can also assess the long-term implications of your injuries and help calculate appropriate compensation for both current and future medical expenses, lost wages, and pain and suffering.
Furthermore, victims should be aware of Missouri’s statute of limitations, which allows five years from the date of injury to file a personal injury claim. Failing to file within this period could result in losing the right to seek compensation.
In conclusion, while rideshare accidents can complicate personal injury claims due to multiple parties involved and varying insurance coverages, understanding Missouri’s personal injury laws and seeking professional legal assistance can significantly enhance your chances of a successful claim. Staying informed and taking timely action after a rideshare accident is vital for obtaining the rightful compensation for your injuries.