Chicago Rideshare Accident Lawyer
Many Chicago residents rely on rideshare apps, such as Uber and Lyft, to travel from place to place. Although these vehicles may seem safe, rideshares are not immune from accidents. If you are in a collision while taking a rideshare, you may wonder what to do next.
After a rideshare accident, you can file an insurance claim or lawsuit to secure the compensation you deserve. In these situations, trust our Chicago rideshare attorneys at Taxman, Pollock, Murray & Bekkerman, LLC to represent your case and fight for your right to recovery. Call us today at (312) 586-1700.
Why Choose Us
- Our firm represents people, not corporations or insurance companies. We advocate tirelessly to prevent future injuries or losses of life due to the carelessness of others.
- Our attorneys have decades of experience and have secured millions of dollars on behalf of our clients. We are dedicated to achieving your maximum possible recovery.
- Our firm practices open and honest communication throughout each stage of your case. We will always be available to answer your questions and respond to your concerns.
Uber and Lyft Insurance Policies
Uber and Lyft, two of the most popular rideshare companies, provide similar liability insurance policies for their drivers. The coverage that you may receive depends on when the accident occurred.
- Period 0: If the driver is not logged into the Uber or Lyft app when the accident happens, the companies will not provide any coverage.
- Period 1: If the driver is logged into the app but has not accepted a ride request, the companies will provide liability insurance in case he or she causes an accident. This coverage amounts to up to $50,000 for individual bodily injury, $100,000 for total bodily injury, and $25,000 for property damage.
- Period 2: If the driver is on his or her way to pick up a passenger when the accident occurs, he or she will receive $1 million in liability coverage.
- Period 3: If a passenger is in the vehicle at the time of the accident, the driver will also receive $1 million in liability coverage. The companies may also provide uninsured motorist coverage and compensation for damage to the driver’s vehicle.
Your Legal Options After a Rideshare Accident
Illinois is a fault accident state, meaning that drivers who are responsible for car accidents must pay for their victims’ damages. When it comes to rideshare collisions, however, the process to secure compensation becomes more complex. Essentially, you will need to determine who was responsible for the accident.
If another driver outside of the rideshare vehicle caused the accident, you will need to file a claim against this driver. You could pursue compensation through an insurance claim or lawsuit. You will not file a claim with Uber or Lyft.
If the rideshare driver is responsible for the accident, you can recover compensation through the following process.
- Uber and Lyft require that injured victims file an insurance claim against the rideshare driver’s private policy before filing a claim with the company policy. However, most private auto insurance policies have a provision against business use, and will likely deny your claim.
- If the driver’s private insurance denies your claim, you could file a claim against Uber or Lyft’s company policy. You can also file a claim against Uber or Lyft if you exhaust at-fault driver’s insurance policy limits.
- If you are unable to secure sufficient compensation through an insurance claim, you can file a lawsuit against the at-fault driver. However, you are not able to file a lawsuit against Uber or Lyft directly. These companies consider their drivers to be independent contractors, meaning that they are not legally responsible for any accidents that occur on the job.
Navigating the rideshare accident claim process can be difficult without an attorney on your side. To identify your optimal avenue to compensation, speak to a rideshare injury attorney at Taxman, Pollock, Murray & Bekkerman, LLC. Your lawyer will review your case and determine which pathway is right for you.
Damages Available for Rideshare Accident Victims
A rideshare accident can result in significant financial hardship, as well as physical and emotional pain and suffering. Through an accident claim, however, you can recover compensation for the economic and non-economic losses you sustained during the accident. Economic damages refer to your tangible financial losses, while non-economic damages encompass the physical and emotional trauma you sustained.
Examples of damages available to rideshare accident victims include the following.
- Lost wages and loss of future earnings
- All past and future medical expenses related to the accident
- Property damage, including vehicle repairs
- Loss of quality of life
- Disability accommodations
- Loss of care, companionship, and consortium
- Emotional distress
- Post-traumatic stress disorder
- Chronic pain
What to Do After a Chicago Rideshare Accident
If you are in a rideshare accident, you may be unsure what to do next. The moments after a crash can be painful and overwhelming. However, there are certain steps that you should take to protect yourself, your family, and your right to compensation.
- Call 911 and report the accident to law enforcement. The responding officer will create a police report, which you can use to prove your case.
- Seek medical attention, even if you do not feel injured. Not only will this promptly treat any injuries you may have, but your medical records will serve as valuable evidence in your case.
- Exchange contact, license, and insurance information with the drivers involved in the accident. Keep your interactions with these drivers brief and do not say anything about your injuries or how the crash occurred.
- Document evidence at the scene. Take pictures of your injuries, property damage, and the accident site. If you were a rideshare passenger, take screenshots of your location and ride information in the app.
- Speak to any witnesses in the area and ask for their contact information. You could contact these individuals in the future to provide testimony, which could help prove your case.
Once you seek medical attention, an insurance representative may contact you and ask for a statement. Decline to speak to the representative and contact a lawyer as soon as possible. Insurance companies do not always have your best interests in mind, and any statements you make at this stage could harm your future case. Always speak to a lawyer before speaking to an insurance representative.
Contact Our Rideshare Accident Lawyers in Chicago Today
If you are in a Chicago rideshare accident, contact the attorneys at Taxman, Pollock, Murray & Bekkerman, LLC. We can help you navigate the complex litigation process and secure the compensation you need to recover. Contact us today to schedule your free consultation and learn about your legal options.