Rideshare Accident

More and more Chicago residents use rideshare services to get around the city. They are extremely popular at night when people leave establishments after drinking.

Unfortunately, rideshare drivers can get into accidents just like everyone else.

If you have suffered injuries in an accident caused by a rideshare driver, The lawyers of TopDog Law empathize with your circumstances, and we are here to help. Our Chicago rideshare accident attorneys can protect your rights and guide you through the complex insurance claims process.

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Your Guide to Chicago Rideshare Accidents

How TopDog Law’s Chicago Rideshare Accident
Lawyers Can Help You

While various insurance policies can cover your losses, that doesn’t mean recovery will be simple. Insurance companies regularly deny claims using various technicalities and other tactics.

Our Chicago personal injury attorneys have handled numerous cases filed by passengers and others injured by rideshare driving. While having our services at the beginning is ideal, you can still contact us for a case review after starting a claim.

We can build your case by gathering evidence and investigating who is responsible for the crash. TopDog Law has numerous resources we can tap into that help injury victims.

Our goal is to get you top dollar for your injury case. We will handle all insurance communications and negotiate for a favorable settlement. If it becomes necessary, we will file a lawsuit on your behalf and represent you in court.

James Helm

What is Ridesharing?

The concept behind ridesharing is relatively simple. A rider downloads an app, plugs in some information, and then requests a ride.

A nearby driver receives a ride request and accepts it. They will then pick you up and take you where you want to go. When a driver accepts a ride, they will get your profile information, and you will get theirs.

You will find information such as:

  • The driver’s name 
  • Their photo 
  • An ETA 
  • Make, model, and color of their vehicles 
  • License plate number 

Payments are made electronically through the app. This can include tips so you never have to worry about exchanging money, increasing the safety of the transaction.

Stunned driver by damaged car after accident. Desperate young man holding head beside broken down car on Chicago road.
Clear rideshare pickup signage with directional arrow indicating designated passenger drop-off/pick-up area for drivers. Easy and efficient transportation.

Is Ridesharing in Chicago Dangerous? 

Safety seems to be at the forefront of rideshare company’s initiatives. However, while they market themselves as safe, there are many dangers. Uber and Lyft provide extensive information about their drivers so riders feel safe getting in the vehicle.

All of that said, rideshare drivers can cause serious accidents that leave people seriously injured. The University of Chicago partnered with Rice University to study the impacts of rideshares in the city. They found there was a two to three percent increase in fatal accidents that correlated with the arrival of rideshare services in the city.

Causes and Injuries From These Accidents 

Several factors can cause ridesharing accidents, but they often result from driver error. One of the most significant causes of these collisions is distracted driving. The role of a rideshare driver heavily depends on using their phone.

This can present various issues, such as:

  • Using multiple platforms to offer services, such as Uber and Lyft. or using Lyft for passengers and Uber Eats for food. This requires drivers to constantly check their phones and find ways to get to multiple locations. 
  • Rideshare drivers are constantly interacting with the app while working.
  • Speeding is often indirectly encouraged since the more rides drivers complete, the more money they can make. They will participate in other reckless driving actions to get more rides. 
  • Rideshare drivers often have less training and fewer licensure requirements than professional taxi or limo drivers. They are regular drivers who fill out general information on an app and start driving. 
  • Other drivers may also cause accidents by speeding, distractions, and other reckless actions. 

These accidents may resemble other car accidents, except for the complex insurance process. Rideshare insurance policies are often very complicated, and the coverage they provide depends on what the driver was doing at the time of the accident.

For example, if a rideshare driver is in the process of giving a ride or is waiting to accept a ride with the app active, the rideshare company’s insurance policy will likely cover any injuries they cause.

On the other hand, if the driver’s app was off, their own insurance company will likely cover any injuries they cause.

A Chicago rideshare accident lawyer can sift through these policies and get compensation for injuries you may sustain, such as:

  • Broken bones 
  • Traumatic brain injuries
  • Spinal cord trauma 
  • Neck and back injuries 
  • Chest injuries

Seeking Compensation From the Insurance Company 

Rideshare companies go to great lengths so they can avoid liability. However, the City of Chicago has taken steps to protect passengers under new legislation. There is hope that it will catch on a national level.

The biggest takeaway from the legislation is:

  • Vehicles cannot exceed six years old
  • Vehicles must undergo semi-annual inspections 
  • Rideshare drivers must obtain a chauffeur’s license by completing an online course 

You can file an insurance claim to recover compensation for your losses if you suffer injuries in a rideshare accident. Remember, however, that insurance companies will do everything they can to avoid paying you what your claim is worth.

Examples of losses that rideshare victims often pursue in personal injury claims include:

  • Medical expenses 
  • Lost income and benefits 
  • Property damage 
  • Pain and suffering 

The Chicago rideshare accident lawyers of TopDog Law will review your case and find all avenues to compensation. We will defend your claim and investigate faults, damages, and more. We will negotiate with the insurance company for a favorable settlement.

Personal Injury Lawyer James Helm with Client
Auto insurance or rental concept: Salesman finalizing deal, handing keys to buyer after signing sales contract or rental agreement.

Insurance Complications That Can Impact Your Case

The most significant complication you may encounter is determining the insurance company you can get compensation from.

You can often file a claim with the rideshare driver or other motorists. However, Uber and Lyft provide drivers with a $1 million liability insurance policy in certain situations. Sometimes, you can file a lawsuit against the rideshare company.

Another complication in these cases is that insurance companies can only provide payment up to their policy limits. Some rideshare drivers only carry the minimum insurance or have a personal policy. You can face additional issues if they do not have a commercial policy or inform the insurance company they use the vehicle for work.

How to Protect Your Legal Rights
after a Rideshare Accident

You may think your case will be straightforward until the insurance company gives you pushback. Your primary focus should always be on your medical treatment. Obtaining care and documenting your recovery is the best way to protect your right to compensation.

You should also try to:

  • Gather all of your accident-related documents 
  • Start a journal detailing your recovery and daily challenges 
  • Stay off social media until your case comes to an end

Call a Chicago Rideshare Accident Attorney Today

When rideshare drivers cause accidents, people can get seriously hurt. At TopDog Law, our Chicago rideshare accident lawyers know how to hold rideshare companies and drivers accountable and will do everything we can to ensure victims get the compensation they deserve.

For your free case evaluation, call our office today at (708) 734-6928 or contact us online.

Attorney James Helm

TopDog Law Personal Injury Lawyers – Chicago Office

Address: 1517 W 54th St 2 West,
Chicago, IL 60609
Phone: (708) 734-6928

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