If you were injured in an Uber accident in Chicago, as a passenger or Uber driver, while on the Uber app, or involved in an accident with an Uber as a third-party driver or passenger, you may ask yourself the following questions: “Is my case any different than a regular car accident lawsuit? Do I just hire that injury lawyer on TVOr should I start looking for an Uber injury lawyer that mainly represents passengers and drivers in Uber accidents in Chicago?”

You may also be say to yourself, especially if you feel that you were hurt in a “small” accident, “Do I even need to hire an Uber accident lawyer? My injuries aren’t very severe and I haven’t missed any time at work. And I notified Uber by using their Accident Report Portal to put them on notice that I was involved in a car accident in Chicago; they referred me to their carrier Allstate Insurance who has already contacted me, and I think that I could get a decent settlement on my own. I don’t really need a lawyer.” These are common thoughts for someone who was injured in an Uber or Lyft car accident, but may not entirely understand the legal intricacies of Uber/rideshare law in Chicago and Illinois, as well as the variations of insurance involved in an Uber accident.

Notably, in Chicago, just like the rest of the United States, rideshare companies like Uber and Lyft are held accountable to its passengers (or riders) and drivers (or partners) by being required to maintain insurance coverage that is limit-specific according to the rideshare period in which the accident took place. You can see Illinois’ rideshare statute, including Uber’s automobile liability insurance requirements, here.

Although it may appear to be simple, getting a settlement or verdict on an Uber accident in Chicago that will adequately compensate you for injuries sustained as an Uber driver or passenger will generally require the assistance of an attorney, especially when other vehicles get involved seeking insurance coverage from the “same pot”. If you have been hurt in an Uber accident in Chicago as a driver or passenger, here’s the deal:

I Was Injured in a Uber Accident in Chicago. Does Uber’s Insurance Cover Me?

When someone is en route in an Uber or Lyft ride, getting into an accident is probably the last thing on their mind. Likewise, an Uber driver is put in harm’s ways on the road everyday with thousands of other vehicles in downtown Chicago every day she or he is on the job. When an accident does take place, the Uber passenger or driver is of course concerned with who is going to pay for their out-of-pocket medical costs, their wage loss, attendant care (if applicable), and pain and suffering as a result of the Uber accident. Well, as stated earlier, Uber is required by Illinois law to maintain commercial auto coverage for passengers and drivers in the event of an accident while on the app.

Uber has advertised its auto insurance coverage as claiming that “every trip with Uber is insured in case of a covered accident”. But what is defined as a “covered accident”. We will explored these insurance issues below and more in depth, particularly of the insurance gaps in Uber drivers’ coverage in Period 0 our next Chicago Uber Accident Blog.

What Insurance Company does Uber use in the State of Illinois?

In Chicago, Uber is required to maintain ride share automobile liability insurance coverage in the event of an accident. Uber partnered with Allstate Insurance for accident coverage back in 2018, effectively beginning back in March 1, 2018. Click here for an actual copy of Uber’s Certificate of Liability with Allstate Insurance in Chicago. Allstate Insurance provides automobile insurance coverage for Uber trips in all of Illinois, as well as 14 other states, including Alaska, Idaho, Michigan, Minnesota, Montana, New Mexico, Nevada, Oregon, Utah, Washington, Wyoming, New Jersey, New York and Wisconsin.[1]

What Insurance Protects Me if I’m an Uber Passenger that is Injured in Chicago?

An Uber passenger in Chicago in an accident is insured during her or his ride by Allstate with $1 million dollar for third-party liability. In other words, if you were injured as a rider using the Uber platform, Illinois law requires that Uber’s automobile liability insurance be primary, and in the amount of $1,000,000 for death, personal injury, and property damage, as well as $50,000 for uninsured motorist coverage, of which may be satisfied by the driver’s policy, Uber’s policy, or combination. Uber exceeds this requirement by currently maintaining a policy of $250,000 of UIM/UM (Underinsured/Uninsured Motorist) coverage. An Uber passenger’s injuries are always going to be applicable to Period 3 of Uber’s auto insurance in Chicago.

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What Insurance Coverage is Available to Me as an Uber Driver Injured in A Chicago Uber Accident?

From the moment that an Uber driver accepts a ride request/matches on the Uber application and is en route, what is known as Period 2, until the driver completes the transaction on the Uber application or until the ride is complete, whichever is later, otherwise known as Period 3, Uber’s auto insurance limits are:

$1,000,000 third-party liability, $250,000 in uninsured motorist coverage, and contingent comprehensive and collision as long as your personal insurance has comprehensive and collision coverage ($2,500 deductible).

During Period 1, being “from the period of time that a driver has her Uber app turned on until the Uber driver accepts the ride and from the moment that the driver drops off the passenger or completes the ride, whichever is later, until the Uber driver accepts another ride or logs off the Uber software” [2] the auto coverage is much lower if the Uber driver was not en route or driving a passenger(s). Uber is required to maintain contingent insurance coverage (in case the driver’s insurance policy doesn’t cover said minimums) that includes at least $50,000 for death and personal injury per person, $100,000 for death and personal injury per incident, and $25,000 for property damage. 

How Does Uber’s UIM/UM Coverage with Allstate Protect Me?

If you were using the Uber platform as a passenger or an Uber driver in Chicago, and another car is at fault during the transport of a passenger (Period 3) or after the Uber driver has been matched with the passenger up until the point the passenger enters the Uber car (Period 2), the victim may bring a claim against the at-fault party’s auto insurer, and collect according to that third party’s liability auto coverage. In Chicago and the rest of Illinois, Uber guarantees both its drivers and passengers $250,000 of UIM/UM (Underinsured/Uninsured Motorist) Coverage but for Uber drivers, this only applies in Period 2 and 3. To put it shortly, if the at-fault driver’s insurer does not have sufficient coverage to cover your damages, Uber’s insurer in Illinois, Allstate, will kick-in and cover the remainder of your damages, up to $250,000. 

A Snapshot of Uber & Lyft’s Insurance Coverage in Chicago

Below is a graphic explanation of the rideshare insurance periods and associated auto coverages that apply in both Lyft and Uber accidents in Chicago. Notice that the relevant insurance period depends entirely on the time of the accident. Discussing the details of your accident with your Chicago Uber accident or Lyft accident lawyer is crucial in determining what coverage is available to you in your Uber or Lyft lawsuit.

Uber Accident Insurance Summary | The Uber LawyerLyft Accident Insurance Overview | The Uber Lawyer

If You Were Injured in an Uber in Chicago, Get Seen by A Medical Doctor ASAP.

This may seem obvious, but the truth is that many victims in Uber accidents attempt to “shake off” their symptoms; they’ll tell themselves that they do not need medical attention because “there may only be bruising” or “it’s only a sprain”. The hard truth is that many of these initial symptoms unfortunately manifest into bigger medical issues like serious neck and back pain. And not much can be more damaging to your potential Uber lawsuit that you failed to get medical attention after your injury.

In fact, if you suffered an injury after the accident, it’s extremely important to advise the responding Chicago police officer that you were in fact hurt so that it will be included in the police report. Both the medical records from the provider that you first introduced yourself to and the Chicago Traffic Crash Report will properly situate your Uber accident injury lawsuit so you can seek full and complete recovery, leaving less room for speculation by the defense. Should you prefer to first request a copy of your Chicago Traffic Crash Report before speaking to an Uber accident attorney, please visit the Chicago Police Department page.

Get a Copy of Uber’s Current Insurance Certificate in Illinois To Determine Accident Coverage in Chicago.

It is important to check the current certificate of insurance of Uber or Lyft’s commercial auto insurance accident coverage in Chicago. Although states like Illinois set minimum requirements for auto liability coverage, many times Uber will do a great job of maintaining even better insurance coverage for people involved in accidents while using the app. For instances, many times UIM/UM /(underinsured/uninsured motorist) coverage will not be required by the state, but as stated before, in Illinois, Uber maintains $250,000.00 of UIM/UM coverage during Period 3, which can be extremely useful in an Uber accident where another vehicle’s at-fault driver’s insurance is either a.) nonexistent, or b.) fails to cover the full amount of damages in your lawsuit. As you can imagine, when there is $20,000.00 liability coverage in an at-fault driver’s policy and a person in an Uber accident sustains a severe back injury or neck injury necessitating surgery, Uber’s UIM/UM reserve quickly becomes invaluable.

How Do I Protect Myself In Case of an Uber Accident?

In Chicago, there are thousands of active Uber and Lyft cars downtown, whether in River North, the Loop, Streeterville, North Side, West Loop, Wicker Park, at any given time. Ordering an Uber or Lyft from any of those Chicago neighborhoods is as simple as making a few taps on your iPhone screen, creating a high volume of Uber riders and Uber drivers on the streets of Chicago, thereafter making it makes it ever more of a reason for why an accident and subsequent injury carries a higher risk. You thus need to protect yourself in the event of an injury in an Uber.

It is very important to be cognizant of the above insurance rules and Illinois’ rideshare laws that apply to Uber and Lyft to help yourself develop a plan that is safest for yourself. If you are a Chicago Uber driver, it is highly suggested to purchase supplemental rideshare insurance through Atlantic Specialty Insurance to enhance your overall coverage while you are on the road. Other options are explored more in depth in our next blog. As an Uber passenger, it is recommended to always wear a seatbelt; in countless injury cases involving Uber and Lyft in Chicago, the Chicago Traffic Crash Report indicates that the passenger was not wearing a seatbelt. Not only does this significantly increase your risk of injury, but it may also be seen as an issue of contributorily negligence in a case. 

Looking for an Uber Accident Lawyer in Chicago?

If you were injured in an Uber accident in Chicago, call our Uber accident lawyers. The lawyers here at The Uber Lawyer are available to speak to you for free to provide you with quick assistance. We are the first multi-state practice in the country dedicated to ride-sharing incidents. We will work tirelessly to guarantee that you receive the maximum compensation in your Uber accident case in Illinois. It is important to be represented by lawyers who focus on ridesharing to claim the maximum recovery in your case.

Our Uber Accident Lawyers are Trusted in Chicago.

Jeremy, Personal Injury Client

The Uber Lawyer was able to negotiate a settlement with Uber that was outrageously higher than expected.


Personal Injury Client

Michael, Personal Injury Client

I contacted Sean O’Bryan. I received my settlement quicker than expected and more importantly I was treated with incredible care and professionalism.


Personal Injury Client

Christina, Estate of Decedent, Personal Injury

We hired Sean and he was compassionate, excellent attorney who did an exceptional job fighting on my family‘s behalf for my brother’s legacy. He also WON our CASE and I just wanted to say THANK YOU! My family cannot thank him enough.


Estate of Decedent, Personal Injury

Matthew, Personal Injury Client

My wife and I couldn’t have asked for better representation. He was extremely motivated and passionate. Well, his tenacity paid off after a year, and my wife and I were extremely happy with the result.


Personal Injury Client

Robert, Personal Injury Client

Sean was great to work with. He was able to recover damages even after several lawyers told me I didn’t have a case! He was very responsive and took time to explain things.


Personal Injury Client


Is the first multi-state practice in the United States tailored to prosecuting claims involving Uber and Lyft accidents. It is crucial to retain an experienced and knowledgable Uber accident lawyer since Uber accidents can be much more complex.


  1. Driver Announcements: Updates to Your Insurance Protection. (n.d.). Uber. <https://www.uber.com/blog/updates-to-your-insurance-protection/&gt;
  2. Lyft Blog: Lyft Insurance Overview. Lyft. <https://blog.lyft.com/posts/2014/4/11/lyft-insurance-overview&gt;

[1] Allstate’s Uber coverage expands availability to 11 more states,  Insurance Business America, March 5, 2019.  

[2] Transportation Network Providers Act, Illinois.