All Laws Decoded

Uber and Lyft Accident Claims in Illinois

The insurance Illinois requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.

Short answer: When an Uber/Lyft (TNC) driver is logged in but has not accepted a ride, auto liability coverage of at least $50,000 per person and $100,000 per incident for death and injury and $25,000 for property damage is required, with contingent coverage kept by the company if the driver's policy… 625 ILCS 57/10

Uber and Lyft insuranceWhen an Uber/Lyft (TNC) driver is logged in but has not accepted a ride, auto liability coverage of at least $50,000 per person and $100,000 per incident for death and injury and $25,000 for property damage is required, with contingent coverage kept by the company if the driver's policy does not cover it. From accepting a ride until the ride is complete, primary liability coverage of $1,000,000 for death, personal injury and property damage is required.
Read on ilga.gov on 2026-10-28. The statute shows it is scheduled to be repealed on September 1, 2028.
Source: 625 ILCS 57/10
Minimum car insuranceVehicles must be covered by liability insurance of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one crash, and $20,000 for property damage (25/50/20).
Source: 625 ILCS 5/7-601, 5/7-203
Fault rule (comparative negligence)Modified comparative fault (51% bar). In negligence and strict product liability cases for bodily injury, death or property damage, a plaintiff whose fault is more than 50% of the cause recovers nothing. A plaintiff whose fault is 50% or less recovers damages reduced by his or her share of fault. No fault may be attributed to a plaintiff suing over childhood sexual abuse.
Source: 735 ILCS 5/2-1116
Deadline to sue for an injuryA lawsuit for injury to the person (and for false imprisonment or malicious prosecution) must be filed within 2 years after the cause of action accrued. Claims for damages from first degree murder or a Class X felony, where the perpetrator is convicted, are excluded from this limit.
Source: 735 ILCS 5/13-202

More Illinois personal injury & wrongful death

FAQ

What insurance must Uber and Lyft drivers have in Illinois?
When an Uber/Lyft (TNC) driver is logged in but has not accepted a ride, auto liability coverage of at least $50,000 per person and $100,000 per incident for death and injury and $25,000 for property damage is required, with contingent coverage kept by the company if the driver's policy does not cover it. From accepting a ride until the ride is complete, primary liability coverage of $1,000,000 for death, personal injury and property damage is required.
What is the minimum car insurance required in Illinois?
Vehicles must be covered by liability insurance of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people in one crash, and $20,000 for property damage (25/50/20).
Can you recover damages if you were partly at fault in Illinois?
Modified comparative fault (51% bar). In negligence and strict product liability cases for bodily injury, death or property damage, a plaintiff whose fault is more than 50% of the cause recovers nothing. A plaintiff whose fault is 50% or less recovers damages reduced by his or her share of fault. No fault may be attributed to a plaintiff suing over childhood sexual abuse.
What is the statute of limitations for personal injury in Illinois?
A lawsuit for injury to the person (and for false imprisonment or malicious prosecution) must be filed within 2 years after the cause of action accrued. Claims for damages from first degree murder or a Class X felony, where the perpetrator is convicted, are excluded from this limit.

General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.