Ultimate Guide
Chicago, Illinois
Uber and Lyft's insurance structure is deliberately complex. This guide explains every coverage tier, when it applies, and how to make sure you get every dollar you are owed.
The Foundation
Uber and Lyft divide their insurance coverage into three "periods" based on the driver's status in the app. The period active at the time of your accident determines which insurance policy applies — and how much coverage is available.
Coverage
$50,000 per person / $100,000 per accident / $25,000 property damage
This is the most dangerous coverage gap. Many accidents happen during Period 1 when drivers are cruising for rides.
Coverage
$1,000,000 liability / $1,000,000 UM/UIM
Coverage
$1,000,000 liability / $1,000,000 UM/UIM
Illinois has specific legislation governing rideshare insurance requirements under the Transportation Network Providers Act (625 ILCS 57). This law mandates the coverage tiers described above and provides additional protections for Illinois accident victims.
Know Their Playbook
Our founding partner spent years defending these companies. Here are the tactics their insurers use — and how we counter every one.
Their Tactic
Disputing the driver's app status
Our Counter
We subpoena Uber/Lyft trip records to confirm the exact status at the time of the crash.
Their Tactic
Claiming your injuries were pre-existing
Our Counter
We obtain complete medical history and work with experts to establish causation.
Their Tactic
Offering a quick, lowball settlement
Our Counter
We refuse early offers and wait until the full extent of injuries is documented.
Their Tactic
Requesting recorded statements
Our Counter
We handle all communications — you never speak to the insurer directly.
Their Tactic
Delaying the claims process
Our Counter
We set hard deadlines and escalate to litigation when insurers stall.
Their Tactic
Arguing comparative fault
Our Counter
We build the strongest possible liability case to minimize any fault attributed to you.
Common Questions
Determining the driver's app status at the exact moment of your crash requires subpoenaing Uber or Lyft's records. We do this in every case. Contact us for a free consultation — we will identify every applicable policy and tell you exactly what your claim is worth.