Chicago, Illinois Car Accident Law Firm Focuses on Uber Accidents
Ridesharing has brought about financial and professional opportunities for many people, but also issues for those injured while riding as a passenger of Uber, Lyft, or some other service.
Whose Insurance Will Cover My Damages?
Generally speaking, financial liability lies with the at-fault driver of the vehicle, but this can get complicated when a rideshare company is involved:
- The company driver’s car insurance policy will cover a passenger’s injuries if the driver has a commercial insurance policy or a personal insurance policy with a rider providing coverage while engaged as a ridesharing driver. If the personal policy has a “business use exception” it will not cover damages and injuries that occur while the insured party is acting as a for-profit driver.
- Some companies, such as Uber and Lyft, provide third-party liability insurance coverage that will pay up to $1 million for injury and damage to property for each accident, but this coverage will only apply after the driver’s own insurance has been exhausted.
- If the rideshare driver wasn’t at fault, you will need to make a claim on the at-fault driver’s insurance coverage.
- If the at-fault driver’s coverage is insufficient, they do not have insurance, or if the at-fault party is unknown, the uninsured/underinsured (UM/UIM) coverage carried by the ridesharing company will apply during the time when the passenger was picked up until they were dropped off.
Contact a Chicago, Illinois Car Accident Attorney Today
If you were injured in an accident involving Uber or some other rideshare service in Chicago, contact the car accident attorneys at Kelly Law Offices, LLC online or call 1-800-859-8800 to schedule your free initial consultation today.
