MISSOURI GUIDE 15
Missouri Rideshare & Transportation Network Coverage
Missouri rideshare insurance changes according to app status and whether the driver is engaged in a prearranged ride. Current law requires distinct liability coverage during waiting and ride periods together with applicable uninsured motorist protection.
- Preserve app-status, trip and GPS records.
- Obtain the driver’s personal policy and the transportation-network policy.
- Review personal-policy exclusions and rideshare endorsements.
- Analyze waiting-period and prearranged-ride liability and UM coverage.
Publication review note — September 17, 2026. Verify current § 379.1702 requirements and policy language before publication.
VictimsGuide 