St. Louis Rideshare Accident Lawyers

Missouri Insurance Coverage for Uber & Lyft Accidents

Missouri law requires primary automobile liability insurance while a transportation network company driver is logged into the digital network or engaged in a prearranged ride.

The available limits depend heavily on the driver’s app status:

• Driver offline: The driver’s personal automobile policy may be the primary source of coverage, subject to its terms and exclusions.
• Driver logged in and waiting: Missouri law specifies minimum primary liability limits of $50,000 per person, $100,000 per incident, and $25,000 for property damage, along with required uninsured motorist coverage.
• Driver engaged in a prearranged ride: Missouri law specifies at least $1 million in primary automobile liability coverage while the driver is traveling to pick up a rider or transporting a passenger, along with required uninsured motorist coverage.

Even when a policy appears applicable, the claim can remain complicated because:

• The coverage may not apply unless specific legal and policy conditions are met.
• Insurance companies can delay, dispute, or deny claims.
• Fault, available limits, policy terms, and proof of damages can affect the amount recoverable.

The $1 million limit isn’t an automatic assurance of payment. We evaluate whether Uber or Lyft coverage, the rideshare driver’s personal policy, another driver’s policy, or another available policy may respond. Our preparation can include negotiations with an insurance adjuster and litigation when coverage or liability remains disputed.

Representation for Rideshare Accident Clients

At Meyerkord Law Group, we represent people injured in rideshare accidents, including:

• Passengers riding in an Uber or Lyft vehicle
• Pedestrians and cyclists struck by a rideshare driver
• Other motorists hit by a rideshare vehicle
• Rideshare drivers injured because of another party’s negligence

Our Uber accident lawyers and Lyft accident attorneys can assess who caused the collision, which policies may apply, and how the injuries have affected your life.

What to Do After an Uber or Lyft Crash

Prioritize safety and medical care, whether that means calling 911 or visiting an emergency room in the St. Louis area. Once everyone is safe, documenting the scene, exchanging information, and reporting the crash through the app and to law enforcement helps create a record that can later support your case.

If you’re able, take photos of the vehicles, the road, visible injuries, and relevant traffic controls. Save the trip receipt, GPS or route information, app messages, driver and vehicle information, license plate number, witness details, and crash-report information. For collisions within the City of St. Louis, official crash-report resources are available through the St. Louis Metropolitan Police Department after a report has been completed and approved.

You should also use care before giving a recorded statement, signing a release, or accepting an insurance payment. Speaking with our Lyft accident lawyers or Uber accident attorneys early can help you understand Missouri fault rules, identify insurance options, and preserve rideshare-specific evidence before it becomes difficult to obtain.

Finally, keep copies of all medical records, bills, proof of lost income, and communications related to the crash, including messages from Uber, Lyft, or an insurance adjuster. When you bring these materials to your consultation, our team can explain how the available evidence and coverage affect your options.

Compensation & Deadlines for Missouri Rideshare Claims

Compensation in a rideshare injury claim depends on the facts, available insurance, and documented losses. Recoverable damages may include medical expenses, lost income, reduced earning capacity, pain and suffering, property damage, and other losses recognized under applicable law. Although we’ve recovered millions of dollars for injury victims and their families, we evaluate every claim individually and don’t promise a particular result.

Most Missouri personal injury claims are subject to a five-year filing period under RSMo 516.120, but exceptions and claim-specific rules can change that deadline. A crash or claim connected to another state may be governed by that state’s law instead, so Missouri’s general period shouldn’t be applied automatically across the St. Louis region. App records, GPS data, video, and witness information can also become harder to obtain long before a filing deadline expires.