The use of rideshares, such as Uber or Lyft, has been increasing in popularity for over the past 8 years, affecting considerably the cab industry. The number of users of this kind of transportation has been on the rise year after year in Chicago and also throughout Illinois. Do you know why? Because the new technologies and apps; ordering a ride through your smartphone is faster, cheaper, and easier.
Can I sue Uber or Lyft in Chicago if a driver hits my car?
If a negligent Uber or Lyft driver hit you while you were driving, biking or walking in Chicago or elsewhere in Illinois, you may have the right to pursue a personal injury claim. Your claim could possibly seek compensation through:
- The driver’s personal insurance
- The ridesharing company’s insurance coverage
- Both the driver’s and company’s insurance
- Your own auto insurance coverage
If the driver was in “off” mode when your accident happened, then you would likely file a claim through the driver’s personal auto insurance liability coverage. Some drivers carry special ridesharing insurance coverage. However, other drivers may carry a policy that excludes coverage of “commercial activity.”
I had a personal injury as a passenger while using rideshare services. Who is responsible?
Rideshare companies insure drivers and passengers involved in car accidents. The insurance provided by Uber, for example, covers one million dollar liability policy and a one million dollar uninsured/underinsured policy. The UM/UIM coverage protects drivers and passengers in event of an accident with an uninsured or underinsured motorist.
However, if a driver is using the app but has yet to start a trip, they are covered under their personal insurance policy and Uber’s contingent liability policy, which provides up to $50,000 per injury for a total of $100,000 and up to $25,000 in property damage in the event the driver’s personal insurance does not cover the issue.
Did an Uber or Lyft driver hit you while you were driving, biking or walking? Were you a passenger in an Uber or Lyft car involved in a crash? If so, you should treat it like any other accident and immediately seek help from an experienced Chicago car accident lawyer.
If you or a loved one has suffered personal injuries in an accident that involved an Uber or Lyft driver, The Romaker Law Firm will review your case to determine if the driver’s negligence could compensate for your medical expenses, lost income, pain, suffering and more.