Uber and Lyft have transformed the way Chicagoans travel — especially in the downtown area where parking is scarce. But with the increase in rideshare usage comes an increase in rideshare-related accidents. These collisions can be complex because they involve multiple parties and overlapping insurance coverages.
If you’ve been injured while riding in — or hit by — a rideshare vehicle in Chicago, knowing what steps to take is critical to protecting your rights.
Why Rideshare Accidents Are Legally Complex
Unlike traditional taxi companies, Uber and Lyft classify drivers as independent contractors, not employees. This classification means that liability depends on the driver’s status at the time of the crash.
Insurance coverage scenarios:
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Driver Off-Duty (App Off): Only the driver’s personal auto policy applies — and coverage limits may be low.
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Driver Logged In but No Ride Accepted: Uber/Lyft may only provide limited liability coverage (often $50,000 per person / $100,000 per accident for bodily injury).
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Driver En Route to a Passenger or Transporting a Passenger: Uber/Lyft provides up to $1 million in liability coverage, plus uninsured/underinsured motorist coverage.
Common Causes of Rideshare Accidents in Chicago
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Distracted Driving – Drivers often multitask, using their phone to accept rides while navigating unfamiliar streets.
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Fatigue – Many drivers work long hours or drive late at night to maximize earnings, leading to slower reaction times.
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Speeding and Reckless Driving – In a rush to pick up or drop off passengers, some drivers take dangerous shortcuts or ignore traffic rules.
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Unfamiliar Routes – Drivers from outside the city may struggle with Chicago’s traffic patterns, construction zones, or one-way streets.
Steps to Take After a Rideshare Accident
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Call 911 and ensure medical attention for anyone injured.
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Gather information — the rideshare driver’s name, insurance details, vehicle information, and screenshots of your ride details from the app.
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Take photos of the scene, vehicle damage, and any visible injuries.
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Report the crash to Uber or Lyft through the app.
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Speak to us and do NOT give a recorded statement to any insurance company.
Why You Need us after an Uber or Lyft accident
Rideshare accident claims often involve multiple insurance companies, each trying to minimize payouts. Without legal help, you risk receiving far less than you deserve — or nothing at all.
Mannis Injury Law has the experience to:
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Investigate rideshare driver records
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Navigate Uber/Lyft insurance claims
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Negotiate with multiple insurers
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Take your case to court if necessary
We fight to recover the maximum compensation for medical expenses, lost wages, and pain and suffering after a rideshare accident in Chicago.