Under Chicago Uber & Lyft laws, who pays after an accident depends on the status of the driver’s app. If the app is on, the rideshare company’s liability policy pays. If the app is off, the driver’s personal insurance covers damages and losses arising from the accident. If another driver was liable, that driver’s insurer will be responsible for covering the arising costs and losses.

The Illinois modified comparative negligence law is instrumental in determining fault in Chicago intersection accidents. This rule apportions a percentage of liability to each driver involved in an accident. A driver who committed a traffic violation by failing to yield to oncoming traffic, speeding through a red light, or failing to maintain a safe driving distance may be found liable. Anyone whose fault is above 50% is barred from recovering damages.