Uber & Lyft Accidents

Uber & Lyft Accident Attorneys in Charleston, IL

Were You Injured in a Rideshare Accident? Call (217) 394-5885

Uber and Lyft sell their services as a way to make roads safer. They claim having a taxi on demand will remove drunk and/or overtired drivers from our roads. However, in many cities, the arrival of ridesharing apps has actually increased the number of cars on the road. Drivers who are not fit to be behind the wheel may not be threatening us anymore, but an increase in miles driven means an increase in accidents.

Studies have found that in best-case scenarios, Uber and Lyft drivers have no impact on the number of traffic fatalities either overall or specific to drunk driving accidents. In worst-case scenarios, a study published by the American Journal of Epidemiology found, accident rates may actually increase when Uber comes to a new market.

Whether you are a driver, pedestrian, or passenger who has been injured in a crash that was caused by an Uber or Lyft driver, you should not have to cover the costs of your recovery on your own. Our attorneys have been representing Illinois and Missouri car accident victims for nearly a quarter of a century.

If you need support after you were injured in a car accident, call our firm at (217) 394-5885 to schedule a free consultation.

Why Rideshare Accidents Are Different

Typically, when another driver causes a car accident, you will have to get their insurance information from them and file a claim with whoever holds their coverage. When the other driver is working for Uber or Lyft, it’s not so simple. The insurance most of us carry will not kick in if we are in a “commercial accident,” i.e., using our car to make money. In fact, many insurance policies specifically state they will not cover any such accidents. Therefore, even if an Uber or Lyft driver gives you their personal insurance, your claim would be denied by no fault of your own.

Whose Insurance Covers Rideshare Accidents?

As part of their operating model, Uber and Lyft offer commercial insurance to all their drivers—a wise choice, as it’s doubtful most people would choose to purchase their own coverage just to drive others around. That means when you need to file a claim after an Uber or Lyft accident, you will be facing their insurers (and potentially their lawyers) in your pursuit of a settlement.

Arguing with traditional insurers is difficult enough. Trying to face down a corporation on your own can be intimidating and difficult. For accident victims who are in the healing process, it may be more stress than you need. Our attorneys are here to help in times like this. When you work with The Tapella & Eberspacher Law Firm, you’ll have high-powered representatives on your side.

Uber and Lyft’s Insurance Coverage

Of course, filing a claim takes more work than just calling up Uber or Lyft and telling them one of their drivers hit you. If you are in an accident, you’ll need some extra information from the driver to determine the amount of coverage they are carrying.

When the app is open, but no ride is active, Uber and Lyft drivers have contingent liability coverage. It provides:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 maximum for property damage per accident

When the driver has accepted a ride and is on their way to pick the passenger up or is en route with the passenger, both Uber and Lyft’s insurance coverages increase: Any accident will have up to $1,000,000 in liability coverage.

When drivers who work for Uber and Lyft are not actively searching out fares for one of the two, their personal insurance will be responsible, even if they are displaying Lyft and/or Uber dress on their vehicles.

Extra Proof for Rideshare Insurers

If you are an Uber or Lyft passenger at the time of the accident, we suggest you take a screenshot of your app so you have a record of your ride. If you are a third party, it may be a good idea to ask the Uber or Lyft driver to let you take a picture of their app’s screen that shows the ride information.

Of course, you should also get the driver’s information and make sure you’ve taken every step you can to gather evidence for your claim. The more complete and specific your records are, the better your case for compensation will be.

Car accidents can cause serious injuries that require intense and/or long-term treatment. You shouldn’t have to bear the burden of these costs alone. Our attorneys have helped car accident victims require millions from negligent drivers. Reach out to see if we can help you, too. We serve clients in Charleston, Champaign, and St. Louis, MO.

Call our Charleston Uber and Lyft accident attorneys at (217) 394-5885 for a free case evaluation. We are here to help you find justice.


  • Unwavering Dedication
    We will fight for a just outcome on your behalf, and won’t give up in the face of difficult or unexpected challenges.
  • A Record of Proven Results
    Over our hundred years of combined legal experience, we have recovered millions of dollars for injured clients.
  • Respected in Our Community
    When attorneys need an attorney, they call us. Over 200 attorneys routinely refer clients to our capable & qualified team.
  • Compassionate Advocacy

    We genuinely care about the outcome of your case & commit to standing by your side every step of the way. 

  • Committed to Our Clients
    We pride ourselves in going the extra mile to make all of our clients feel comfortable, well-informed, and secure.
  • Clear Communication

    Our attorneys are committed to actively listening to our clients and to setting realistic, justifiable expectations.

Get The Help You Need

If you are interested in learning more about our law firm or want to schedule a free case evaluation, we encourage you to get in touch with our team today.


Millions Recovered For Our Clients
  • Car Accident $16,550,000 Settlement

    Settlement for a family of four involved in a single car wreck in a highway construction zone.

  • Truck Accident Resulting in Eye Injuries $2,000,000 Settlement

    Settlement of an accident involving a delivery truck with a pickup truck.

  • Car Crash Resulting in Injuries $650,000 Settlement
  • Car Crash Resulting in Serious Injuries $300,000 Settlement
  • Car Crash Resulting in Serious Injuries $222,500 Settlement
  • Drunk Driver Hits Illinois Man On Cam-Am Spyder $200,000 Settlement
  • Car Crash as a Result of Wrong Way Driver $100,000 Settlement
  • Head-On Accident Settlement
  • Passenger In Car Accident Settlement
  • Uninsured Motorist Claim Settlement

Hear From Our Clients

The Opinions That Matter Most
  • “I highly recommend Bill Tapella to anyone in need of an honest hardworking attorney that can get the job done and find your closure.”

    - Betty “Jane” B.
  • “When I got hurt, I almost lost everything. Bill Tapella was there for me and helped me put my life together.”

    - Brenda M.
  • “Bill is very hard-working and he has a great team as well. They go above and beyond.”

    - Donna S.


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