If an Uber driver causes an accident in Chicago, the victim is entitled to bring a negligence claim against the Uber driver’s insurer, and collect an amount subject to the insurance coverage. According to the Chicago Uber Act, 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. These insurance policy requirements apply 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.

Chicago’s Uber Act establishes that Uber’s automobile liability insurance shall 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. These insurance policy requirements apply from the moment that an Uber driver accepts a ride request on the Uber application until the TNC driver completes the transaction on Uber application or until the ride is complete, whichever is later.

For more information regarding Chicago’s Uber Act, click here.


If you or a loved one has suffered injury due to a car accident involving Uber and need the assistance of a Chicago Uber lawyer who can navigate the complexity of Chicago’s Uber Act and insurance laws, the Uber Lawyer can defend your rights and make sure you get the justice you need. At the Uber Lawyer, we focus our practice on ride-sharing accidents involving Uber, Lyft, and Via car accidents.