{"id":5922,"date":"2026-05-20T17:40:16","date_gmt":"2026-05-20T17:40:16","guid":{"rendered":"https:\/\/northlandinjurylaw.com\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/"},"modified":"2026-06-01T16:04:00","modified_gmt":"2026-06-01T16:04:00","slug":"what-is-the-1-million-coverage-rule-for-kc-uber-crashes","status":"publish","type":"post","link":"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/","title":{"rendered":"What Is the $1 Million Coverage Rule for KC Uber Crashes?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Tabla de contenidos\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#understanding-the-1-million-coverage-rule-for-uber-crashes-in-kansas-city\" >Understanding the $1 Million Coverage Rule for Uber Crashes in Kansas City<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#how-missouris-tnc-insurance-requirements-work\" >How Missouri&#8217;s TNC Insurance Requirements Work<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#who-actually-pays-when-an-uber-driver-causes-a-crash\" >Who Actually Pays When an Uber Driver Causes a Crash?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#why-rideshare-accident-attorney-in-kansas-city-representation-matters\" >Why Rideshare Accident Attorney in Kansas City Representation Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#fault-rules-that-affect-your-uber-crash-claim-in-missouri\" >Fault Rules That Affect Your Uber Crash Claim in Missouri<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#what-the-five-year-filing-deadline-means-for-your-case\" >What the Five-Year Filing Deadline Means for Your Case<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#when-the-tncs-insurer-must-pay-from-dollar-one\" >When the TNC&#8217;s Insurer Must Pay From Dollar One<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#steps-to-protect-your-rideshare-injury-claim-in-kansas-city\" >Steps to Protect Your Rideshare Injury Claim in Kansas City<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#frequently-asked-questions\" >Preguntas frecuentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#1-does-ubers-1-million-policy-always-apply-to-my-crash\" >1. Does Uber&#8217;s $1 million policy always apply to my crash?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#2-what-if-the-uber-drivers-personal-insurance-wont-cover-the-accident\" >2. What if the Uber driver&#8217;s personal insurance won&#8217;t cover the accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#3-how-long-do-i-have-to-file-a-lawsuit-after-an-uber-accident-in-kansas-city\" >3. How long do I have to file a lawsuit after an Uber accident in Kansas City?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#4-can-i-sue-both-the-other-driver-and-uber-if-they-share-fault\" >4. Can I sue both the other driver and Uber if they share fault?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#5-what-makes-rideshare-accident-claims-different-from-regular-car-accident-claims\" >5. What makes rideshare accident claims different from regular car accident claims?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/#you-deserve-answers-and-a-team-that-keeps-you-informed\" >You Deserve Answers and a Team That Keeps You Informed<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"understanding-the-1-million-coverage-rule-for-uber-crashes-in-kansas-city\"><span class=\"ez-toc-section\" id=\"understanding-the-1-million-coverage-rule-for-uber-crashes-in-kansas-city\"><\/span>Understanding the $1 Million Coverage Rule for Uber Crashes in Kansas City<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>If you&#8217;ve been hurt in an Uber or Lyft crash in Kansas City, you may be entitled to far more insurance coverage than you realize.<\/strong> Under Missouri law, rideshare companies must carry at least $1 million in liability insurance while a driver is actively transporting a passenger. Missouri&#8217;s Transportation Network Company (TNC) statute, Section 379.1702, sets specific insurance minimums that change depending on the driver&#8217;s activity at the time of the crash. Understanding this coverage can significantly impact the compensation you recover for medical bills, lost wages, and pain and suffering.<\/p>\n<p>En <a href=\"https:\/\/northlandinjurylaw.com\/es\/\">Ley de lesiones de Northland<\/a>, our team has spent 50+ years combined helping Kansas City families navigate complex injury claims, including rideshare cases with layered insurance policies. If you were injured in an Uber or Lyft accident, call us at <a href=\"tel:816-400-4878\">816-400-4878<\/a> o <a href=\"https:\/\/northlandinjurylaw.com\/es\/contacto\/\">reach out online<\/a> for a free consultation. We offer a 30-Day Satisfaction Guarantee because you deserve confidence in the team fighting for you.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/fp-blog-images.s3.us-east-2.amazonaws.com\/2026\/05\/14\/beb0d635-acab-4d14-bc45-a7167fe48082\/kansas_city_uber_insurance_policy_rideshare_accident_attorney.jpg\" title=\"Kansas City Uber Insurance Policy Rideshare Accident Attorney\" alt=\"smartphone displaying Uber app beside insurance policy document on wooden table in law office\" style=\"max-width:100%; height:auto; display:block; margin: 1.5em 0; border-radius:12px;\"><\/p>\n<h2 id=\"how-missouris-tnc-insurance-requirements-work\"><span class=\"ez-toc-section\" id=\"how-missouris-tnc-insurance-requirements-work\"><\/span>How Missouri&#8217;s TNC Insurance Requirements Work<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Missouri&#8217;s rideshare insurance law doesn&#8217;t treat every moment the same.<\/strong> Coverage depends entirely on what &quot;period&quot; the driver was in when the accident happened. Under <a href=\"https:\/\/revisor.mo.gov\/main\/OneSection.aspx?section=379.1702\">Missouri Section 379.1702<\/a>, which took effect April 1, 2017, the state created a tiered insurance system for transportation network companies like Uber and Lyft.<\/p>\n<p><strong>When a TNC driver is logged into the app but has not yet accepted a ride request, lower minimums apply.<\/strong> Section 379.1702(2)(1) requires at least $50,000 for death and bodily injury per person, $100,000 per incident, and $25,000 for property damage.<\/p>\n<p><strong>Once the driver accepts a ride and is en route to pick up or actively transporting a passenger, the $1 million rule takes effect.<\/strong> Section 379.1702(3)(1) mandates primary automobile liability insurance of at least $1 million for death, bodily injury, and property damage.<\/p>\n<table class=\"wp-block-table\" style=\"border-collapse: collapse; border: 1px solid #ddd; width: 100%; margin-bottom: 1rem\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" style=\"border: 1px solid #ddd; background-color: #f5f5f5; padding: 8px 12px; text-align: left; font-weight: bold\">Driver Status<\/th>\n<th class=\"has-text-align-left\" style=\"border: 1px solid #ddd; background-color: #f5f5f5; padding: 8px 12px; text-align: left; font-weight: bold\">Bodily Injury (Per Person)<\/th>\n<th class=\"has-text-align-left\" style=\"border: 1px solid #ddd; background-color: #f5f5f5; padding: 8px 12px; text-align: left; font-weight: bold\">Bodily Injury (Per Incident)<\/th>\n<th class=\"has-text-align-left\" style=\"border: 1px solid #ddd; background-color: #f5f5f5; padding: 8px 12px; text-align: left; font-weight: bold\">Da\u00f1os materiales<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">App on, no ride accepted<\/td>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">$50,000<\/td>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">$100,000<\/td>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">$25,000<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">Ride accepted or passenger in vehicle<\/td>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">$1,000,000 combined single limit<\/td>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">$1,000,000 combined single limit<\/td>\n<td class=\"has-text-align-left\" style=\"border: 1px solid #ddd; padding: 8px 12px; text-align: left\">$1,000,000 combined single limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud83d\udca1 <strong>Pro Tip:<\/strong> Save your Uber or Lyft trip receipt and take screenshots of your ride status immediately after a crash. This documentation helps establish which insurance period was active, directly determining available coverage for your claim.<\/p>\n<h2 id=\"who-actually-pays-when-an-uber-driver-causes-a-crash\"><span class=\"ez-toc-section\" id=\"who-actually-pays-when-an-uber-driver-causes-a-crash\"><\/span>Who Actually Pays When an Uber Driver Causes a Crash?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>The answer depends on who had active insurance at the time of the collision.<\/strong> Under Section 379.1702(3)(3), the $1 million coverage requirement can be satisfied by insurance maintained by the driver, the TNC company, or any combination of the two. Most Uber and Lyft drivers rely on the company&#8217;s commercial policy rather than carrying their own TNC-specific coverage.<\/p>\n<p><strong>If the driver&#8217;s personal insurance has lapsed or doesn&#8217;t cover rideshare activity, Section 379.1702(4) requires the TNC&#8217;s insurance to step in from the first dollar and carry the duty to defend.<\/strong> The rideshare company&#8217;s insurer cannot point fingers at the driver&#8217;s personal policy and refuse to pay. Under Section 379.1708, personal auto insurers in Missouri are permitted to exclude all coverage while a driver is logged on to a TNC app, making this first-dollar protection critical.<\/p>\n<p>\ud83d\udca1 <strong>Pro Tip:<\/strong> Do not accept the first settlement offer from a rideshare company&#8217;s insurer without understanding the full value of your claim. When policy limits reach $1 million, many claims are worth significantly more than early lowball offers suggest.<\/p>\n<h2 id=\"why-rideshare-accident-attorney-in-kansas-city-representation-matters\"><span class=\"ez-toc-section\" id=\"why-rideshare-accident-attorney-in-kansas-city-representation-matters\"><\/span>Why Rideshare Accident Attorney in Kansas City Representation Matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Rideshare injury claims are more complex than standard car accident cases.<\/strong> Multiple insurance policies may overlap, coverage depends on the driver&#8217;s app status, and rideshare companies have well-funded legal teams working to minimize payouts.<\/p>\n<p><strong>When policy limits jump to $1 million, insurers fight harder to reduce payouts.<\/strong> Having a <a href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/kansas-city-rideshare-accident-lawyer\/\">Kansas City rideshare accident lawyer<\/a> who understands Missouri&#8217;s TNC statute can be the difference between an underpaid claim and full compensation.<\/p>\n<p><strong>Our team at Northland Injury Law has recovered millions for clients in serious injury cases, including verdicts and settlements in the $1.5M to $2M+ range.<\/strong> We&#8217;ve been voted #1 Accident Lawyer and Best of the Northland because Kansas City families trust us to handle high-stakes claims with personal attention.<\/p>\n<h2 id=\"fault-rules-that-affect-your-uber-crash-claim-in-missouri\"><span class=\"ez-toc-section\" id=\"fault-rules-that-affect-your-uber-crash-claim-in-missouri\"><\/span>Fault Rules That Affect Your Uber Crash Claim in Missouri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Missouri follows a pure comparative fault system, meaning your own fault reduces but never eliminates your right to recover damages.<\/strong> The joint and several liability rules under <a href=\"https:\/\/revisor.mo.gov\/main\/OneSection.aspx?section=537.067\">RSMo \u00a7 537.067(1)<\/a> determine how damages are allocated among defendants. If a defendant bears 51% or more of fault, that defendant is jointly and severally liable for the entire judgment. This matters when both an Uber driver and another motorist share blame.<\/p>\n<p><strong>If a defendant bears less than 51% fault, they are only severally liable for their proportionate share.<\/strong> In multi-vehicle crashes, identifying each party&#8217;s percentage of fault becomes critical to maximizing your recovery.<\/p>\n<p>\ud83d\udca1 <strong>Pro Tip:<\/strong> Request a copy of the police report and photograph everything at the scene, including vehicle positions, traffic signals, road conditions, and any visible injuries. This evidence helps establish fault percentages that determine which parties owe you compensation.<\/p>\n<h3 id=\"what-the-five-year-filing-deadline-means-for-your-case\"><span class=\"ez-toc-section\" id=\"what-the-five-year-filing-deadline-means-for-your-case\"><\/span>What the Five-Year Filing Deadline Means for Your Case<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Missouri gives you five years to file a personal injury or property damage lawsuit, but waiting can hurt your case.<\/strong> En <a href=\"https:\/\/revisor.mo.gov\/main\/OneSection.aspx?section=516.120\">RSMo 516.120<\/a>, the statute of limitations is five years. Evidence disappears, witnesses forget details, and rideshare trip data may become harder to obtain. Claims involving government entities may be subject to shorter notice deadlines.<\/p>\n<h3 id=\"when-the-tncs-insurer-must-pay-from-dollar-one\"><span class=\"ez-toc-section\" id=\"when-the-tncs-insurer-must-pay-from-dollar-one\"><\/span>When the TNC&#8217;s Insurer Must Pay From Dollar One<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>If the Uber or Lyft driver&#8217;s personal auto policy doesn&#8217;t cover rideshare activity, the TNC&#8217;s commercial policy must cover the entire claim.<\/strong> Missouri law under Section 379.1702(4) is clear. Under Section 379.1708, personal auto insurers in Missouri can exclude coverage while a driver is engaged in TNC activity, making the TNC&#8217;s first-dollar coverage requirement critical.<\/p>\n<p>\ud83d\udca1 <strong>Pro Tip:<\/strong> Ask the at-fault driver&#8217;s insurance company to confirm in writing whether the driver had active personal coverage at the time of the crash. If coverage was lapsed or excluded rideshare use, the TNC&#8217;s policy must respond from dollar one under Missouri law.<\/p>\n<h2 id=\"steps-to-protect-your-rideshare-injury-claim-in-kansas-city\"><span class=\"ez-toc-section\" id=\"steps-to-protect-your-rideshare-injury-claim-in-kansas-city\"><\/span>Steps to Protect Your Rideshare Injury Claim in Kansas City<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Taking the right steps early gives your claim the strongest possible foundation.<\/strong> Whether you were a passenger, pedestrian, or another driver, the same principles apply:<\/p>\n<ul>\n<li><strong>Document everything immediately:<\/strong> photograph the scene, get the driver&#8217;s information, screenshot your trip receipt, and request a copy of the police report.<\/li>\n<li><strong>Seek medical attention right away:<\/strong> delayed treatment creates gaps that insurers use to argue your injuries were not crash-related.<\/li>\n<li><strong>Do not give a recorded statement<\/strong> to the rideshare company&#8217;s insurance adjuster without first speaking to an attorney.<\/li>\n<li><strong>Preserve all records:<\/strong> keep every medical bill, pay stub showing lost wages, and correspondence with any insurance company.<\/li>\n<li><strong>Know which insurance applies:<\/strong> your recovery depends on the driver&#8217;s app status at the time of the crash.<\/li>\n<\/ul>\n<p>If you&#8217;ve been in any motor vehicle collision, working with a <a href=\"https:\/\/northlandinjurylaw.com\/es\/abogado-de-accidentes-de-coche-en-kansas-city\/\">Kansas City abogado accidente coche<\/a> who handles rideshare cases ensures the right policies are identified from the start.<\/p>\n<p>\ud83d\udca1 <strong>Pro Tip:<\/strong> Rideshare vehicles are on the road for extended hours, increasing exposure to serious collisions. Do not minimize your injuries or assume the process will be simple.<\/p>\n<h2 id=\"frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"frequently-asked-questions\"><\/span>Preguntas frecuentes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 id=\"does-ubers-1-million-policy-always-apply-to-my-crash\"><span class=\"ez-toc-section\" id=\"1-does-ubers-1-million-policy-always-apply-to-my-crash\"><\/span>1. Does Uber&#8217;s $1 million policy always apply to my crash?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>No.<\/strong> The $1 million coverage under Missouri Section 379.1702(3)(1) only applies when the driver has accepted a ride or is actively transporting a passenger. If the driver was merely logged into the app waiting for a request, lower coverage limits of $50,000\/$100,000\/$25,000 apply under Section 379.1702(2)(1).<\/p>\n<h3 id=\"what-if-the-uber-drivers-personal-insurance-wont-cover-the-accident\"><span class=\"ez-toc-section\" id=\"2-what-if-the-uber-drivers-personal-insurance-wont-cover-the-accident\"><\/span>2. What if the Uber driver&#8217;s personal insurance won&#8217;t cover the accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>The TNC&#8217;s commercial policy must step in.<\/strong> Under Section 379.1702(4), if the driver&#8217;s personal insurance has lapsed or is insufficient, the rideshare company&#8217;s insurance must provide coverage from the first dollar and has a duty to defend.<\/p>\n<h3 id=\"how-long-do-i-have-to-file-a-lawsuit-after-an-uber-accident-in-kansas-city\"><span class=\"ez-toc-section\" id=\"3-how-long-do-i-have-to-file-a-lawsuit-after-an-uber-accident-in-kansas-city\"><\/span>3. How long do I have to file a lawsuit after an Uber accident in Kansas City?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Missouri&#8217;s statute of limitations under RSMo 516.120 generally allows five years for personal injury and property damage claims.<\/strong> However, specific circumstances may affect your deadline. Claims involving government entities may be subject to shorter notice requirements. Contact an attorney as soon as possible after your crash.<\/p>\n<h3 id=\"can-i-sue-both-the-other-driver-and-uber-if-they-share-fault\"><span class=\"ez-toc-section\" id=\"4-can-i-sue-both-the-other-driver-and-uber-if-they-share-fault\"><\/span>4. Can I sue both the other driver and Uber if they share fault?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes.<\/strong> Missouri&#8217;s joint and several liability statute, RSMo \u00a7 537.067(1), allows claims against multiple defendants. If a defendant bears 51% or more of fault, they may be held jointly and severally liable for the entire judgment. If they bear less than 51%, they pay only their proportionate share. Missouri follows pure comparative fault, so even a plaintiff who shares some responsibility can still recover damages reduced by their own fault percentage.<\/p>\n<h3 id=\"what-makes-rideshare-accident-claims-different-from-regular-car-accident-claims\"><span class=\"ez-toc-section\" id=\"5-what-makes-rideshare-accident-claims-different-from-regular-car-accident-claims\"><\/span>5. What makes rideshare accident claims different from regular car accident claims?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>The layered insurance structure is the biggest difference.<\/strong> Rideshare crashes involve multiple potential policies, coverage that shifts based on the driver&#8217;s app status, and TNC insurance requirements under Missouri law. Personal auto insurers may also exclude coverage during TNC activity under Section 379.1708, making attorney representation significantly more important in these cases.<\/p>\n<h2 id=\"you-deserve-answers-and-a-team-that-keeps-you-informed\"><span class=\"ez-toc-section\" id=\"you-deserve-answers-and-a-team-that-keeps-you-informed\"><\/span>You Deserve Answers and a Team That Keeps You Informed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Rideshare accident claims in Kansas City involve serious money and serious complexity.<\/strong> Between Missouri&#8217;s tiered TNC insurance requirements, the $1 million coverage rule, and fault allocation laws, these cases demand careful legal work.<\/p>\n<p>Nuestro equipo de <a href=\"https:\/\/northlandinjurylaw.com\/es\/\">Ley de lesiones de Northland<\/a> treats every client like a neighbor, not a case number. If you or someone you love was injured in an Uber or Lyft crash in the Kansas City area, call us at <a href=\"tel:816-400-4878\">816-400-4878<\/a> o <a href=\"https:\/\/northlandinjurylaw.com\/es\/contacto\/\">contact us today<\/a> for a free consultation. With our 30-Day Satisfaction Guarantee, you have nothing to lose and everything to gain.<\/p>","protected":false},"excerpt":{"rendered":"<p>Understanding the $1 Million Coverage Rule for Uber Crashes in Kansas City If you&#8217;ve been hurt in an Uber or Lyft crash in Kansas City, you may be entitled to far more insurance coverage than you realize. Under Missouri law, rideshare companies must carry at least $1 million in liability insurance while a driver is &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/\" class=\"more-link\">Seguir leyendo<span class=\"screen-reader-text\"> &#8220;What Is the $1 Million Coverage Rule for KC Uber Crashes?&#8221;<\/span><\/a><\/p>","protected":false},"author":5,"featured_media":5934,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[471],"tags":[314],"class_list":["post-5922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ride-share-accident","tag-uber","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is the $1 Million Coverage Rule for KC Uber Crashes? - Northland Injury Law<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is the $1 Million Coverage Rule for KC Uber Crashes? - Northland Injury Law\" \/>\n<meta property=\"og:description\" content=\"Understanding the $1 Million Coverage Rule for Uber Crashes in Kansas City If you&#8217;ve been hurt in an Uber or Lyft crash in Kansas City, you may be entitled to far more insurance coverage than you realize. Under Missouri law, rideshare companies must carry at least $1 million in liability insurance while a driver is &hellip; Continuar leyendo &quot;What Is the $1 Million Coverage Rule for KC Uber Crashes?&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/\" \/>\n<meta property=\"og:site_name\" content=\"Northland Injury Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/accidentinjurylawyers\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-20T17:40:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-01T16:04:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2026\/05\/rideshare_passenger_riding_uber_in_kansas_city_missouri.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"334\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eric Bartlett\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Bartlett\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is the $1 Million Coverage Rule for KC Uber Crashes? - Northland Injury Law","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/northlandinjurylaw.com\/es\/blog\/what-is-the-1-million-coverage-rule-for-kc-uber-crashes\/","og_locale":"es_MX","og_type":"article","og_title":"What Is the $1 Million Coverage Rule for KC Uber Crashes? - Northland Injury Law","og_description":"Understanding the $1 Million Coverage Rule for Uber Crashes in Kansas City If you&#8217;ve been hurt in an Uber or Lyft crash in Kansas City, you may be entitled to far more insurance coverage than you realize. 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