What is Required of Uber Drivers in St. Louis?
As with regular drivers, Uber drivers are required to carry their own insurance policy that is up to par with Missouri’s auto insurance laws in case of a collision with another vehicle, object, or pedestrian. That means that Uber drivers in St. Louis must carry an insurance plan that covers at minimum:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
- Uninsured motorist coverage of $25,000 for bodily injury per person
- Uninsured motorist coverage of $50,000 for bodily injury per accident
When an Uber driver is on the clock, though, Uber’s insurance covers their accident. When an Uber driver is listed as available or is waiting for a ride request, Uber has third-party liability insurance that covers them if their own insurance does not apply:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
If the Uber driver is en route to pick up riders or has riders in the car when they get into an accident, then Uber has this coverage:
- $1,000,000 third-party liability
- Uninsured or underinsured motorist bodily injury
- Contingent comprehensive and collision up to the actual cash value of the car and $1,000 deductible
It’s important to note that these are all coverage minimums for the drivers, but if your driver is in an accident while you are riding in the car, then you are also covered under all of these same parameters. If your accident doesn’t fit under one of the categories, you still might be eligible for compensation. A St. Louis Uber accident attorney will be able to answer your questions and will know what legal action you can take after a collision while riding in an Uber.
Other than insurance requirements, Uber drivers must meet other specifications in order to drive for the company. When we investigate your claim, we will look into their qualifications to see if they were eligible to drive for the company. As listed by Uber, the requirements for their St. Louis drivers are:
- Be at least 21 years old
- Have at least one year of driving experience, or three years if you’re under 23 years old
- Have a valid Missouri driver’s license
- Clean driving record
- Must pass a background check
- 15-year-old vehicle or newer
- 4-door vehicle
- Vehicle is in good condition
- No cosmetic damage
- No commercial branding on the vehicle
- Official or temporary registration
If your Uber driver did not meet these requirements when they were involved in an accident that caused you injuries or property damage, then you could be eligible for more compensation based on your damages. Your St. Louis Uber accident lawyer knows what Uber drivers need in order to stay legal and fully covered, so we know exactly what to look for while investigating your accident.