Who is liable in a rideshare accident — the driver or the company?

It depends on whether the driver was logged into the app, en route to a pickup, or carrying a passenger at the time of the crash. Each phase triggers different insurance coverage tiers. When the driver has a passenger or is heading to pick one up, the rideshare company's commercial policy — usually $1 million — is primary. I determine exactly which coverage applies and pursue every available policy.

What insurance covers Uber and Lyft accidents in Illinois?

Rideshare companies provide tiered commercial coverage. App off: the driver's personal insurance only. App on, waiting for a ride request: limited coverage from the company. Actively on a trip or en route to pickup: the company's full commercial policy, typically $1 million. Understanding which tier applies is critical — it determines how much insurance money is available for your claim.

Can I sue a rideshare company directly?

Potentially, yes. While drivers are classified as independent contractors, the company can face direct liability for negligent hiring, inadequate background checks, failure to enforce safety policies, or allowing a driver with a dangerous record to stay on the platform. I evaluate whether direct company liability exists in every rideshare case I handle.

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Category: Rideshare Accident Lawyer Chicago

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scott desalvo, chicago personal injury lawyer

About Scott DeSalvo

Scott DeSalvo founded DeSalvo Law to help injured people throughout Chicago and surrounding suburbs. Licensed to practice law in Illinois since 1998, IARDC #6244452, Scott has represented over 3,000 clients in personal injury, workers compensation, and accident cases.

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