Rideshare services like Uber and Lyft have become part of daily life in Chicago, offering convenience and accessibility to millions of riders. But with more cars on the road, accidents are an unfortunate reality. If you were injured while riding as a passenger in an Uber or Lyft, you may be entitled to compensation—but it’s important to act quickly and understand your legal rights.
At Hale & Monico, LLC, we’ve helped many clients navigate complex rideshare injury claims in Chicago. Here’s what you need to know if you’re ever injured in a rideshare accident.
Step 1: Prioritize Safety and Call 911
Your first priority after any accident is safety. If you or anyone else is hurt, call 911 immediately. Request medical assistance and ensure that a police report is filed—this documentation is essential for any future legal or insurance claims.
Step 2: Gather Evidence at the Scene
While you’re still at the scene (if it’s safe), gather as much information as possible:
- Take photos of vehicle damage, the accident location, and your injuries.
- Screenshot your ride details in the Uber or Lyft app.
- Get the contact and insurance information of the Uber or Lyft driver.
- Collect names and contact info of any witnesses or other drivers involved.
This information will support your injury claim and help your attorney build a strong case.
Step 3: Seek Medical Attention Promptly
Some injuries, such as concussions or internal trauma, may not show symptoms immediately. Even if you feel okay, see a doctor as soon as possible. Medical records serve as critical evidence when pursuing compensation.
Step 4: Report the Accident to Uber or Lyft
Both rideshare companies have in-app systems to report accidents:
- Report an incident to Uber
- Report an accident to Lyft
Reporting the incident ensures there’s a formal record with the company, but it doesn’t replace filing a police report or contacting a lawyer.
Step 5: Understand Uber/Lyft Insurance Coverage in Chicago
Rideshare insurance coverage depends on what the driver was doing at the time of the accident:
✅ If you were a passenger (driver was “on a trip”):
Uber and Lyft carry up to $1 million in third-party liability insurance, which may cover your injuries.
⚠️ If the driver was logged in but had no passenger:
Limited coverage applies, such as:
- $50,000 bodily injury per person
- $100,000 per accident
- $25,000 in property damage
❌ If the driver was off duty:
Their personal auto insurance would be responsible—not Uber or Lyft’s.
At Hale & Monico, LLC, we can help determine which insurance applies and ensure the proper party is held accountable.
Step 6: Call a Chicago Rideshare Accident Lawyer
Rideshare companies and their insurers often look for ways to minimize payouts. You don’t have to face them alone.
At Hale & Monico, LLC, our experienced Chicago Uber and Lyft accident lawyers can help you:
- Determine liability and navigate multiple insurance policies
- Gather and preserve evidence
- Calculate the full value of your damages
- Fight for compensation for:
- Medical expenses
- Lost income
- Pain and suffering
- Long-term disability
We’ve recovered millions for accident victims throughout Illinois—and we’re here to help you.
Common Injuries in Uber and Lyft Accidents
Even a low-speed crash can cause significant injury. We regularly represent clients with:
- Whiplash and soft tissue damage
- Broken bones
- Spinal injuries
- Concussions and traumatic brain injuries (TBIs)
- PTSD and emotional trauma
Don’t ignore your symptoms. Let a doctor—and a lawyer—help you get the care and support you need.
Can You Sue Uber or Lyft?
In most cases, Uber and Lyft classify their drivers as independent contractors, which can limit your ability to sue the company directly. However, you may still be covered under their insurance policies, depending on the circumstances.
An experienced attorney at Hale & Monico, LLC can help determine the best legal strategy for your case.
Contact Hale & Monico, LLC for a Free Consultation
If you were injured in an Uber or Lyft accident in Chicago, don’t leave your future to chance. The attorneys at Hale & Monico, LLC are ready to fight for your rights and secure the compensation you deserve.
📞 Call us now at (312) 870-6900
💬 Or contact us online to schedule your free case evaluation
We work on a contingency fee basis—you don’t pay unless we win your case.