Does Uber or Lyft insurance cover my injuries in a Chicago rideshare crash?

Coverage depends on the rideshare driver’s status in the app at the time of the accident, but Uber and Lyft both carry substantial third-party liability insurance that generally applies in Illinois: App off: When the driver is not logged into the app, only the driver’s personal auto insurance is available. App on, waiting for a ride request: When the driver is logged in but has not yet accepted a ride, contingent liability coverage may apply, typically up to $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage, if the driver’s personal policy does not fully cover the loss. En route to pick up a rider or actively transporting a passenger: Uber and Lyft generally provide up to $1,000,000 in third-party liability coverage, along with contingent uninsured/underinsured motorist coverage for bodily injury, subject to policy terms. Your exact coverage will depend on how the crash occurred, which driver was at fault, and what policies apply. An attorney can review the facts and the relevant insurance layers to determine where a claim should be filed.

Does Uber Or Lyft Insurance Cover Injuries In Chicago?

Coverage depends on the rideshare driver’s status in the app at the time of the accident, but Uber and Lyft both carry substantial third-party liability insurance that generally applies in Illinois:

App off: When the driver is not logged into the app, only the driver’s personal auto insurance is available.
App on, waiting for a ride request: When the driver is logged in but has not yet accepted a ride, contingent liability coverage may apply, typically up to $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage, if the driver’s personal policy does not fully cover the loss.
En route to pick up a rider or actively transporting a passenger: Uber and Lyft generally provide up to $1,000,000 in third-party liability coverage, along with contingent uninsured/underinsured motorist coverage for bodily injury, subject to policy terms.

Your exact coverage will depend on how the crash occurred, which driver was at fault, and what policies apply. An attorney can review the facts and the relevant insurance layers to determine where a claim should be filed.