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Bloomington Uber and Lyft Accident Lawyer

What Makes Uber and Lyft Accidents Unique in Bloomington

The rise of services like Uber and Lyft has completely changed how people travel in Bloomington—but it’s also introduced legal complexity when things go wrong. Unlike ordinary traffic accidents, rideshare crashes pull in large companies with complicated insurance rules and legal teams.

According to academic research from Rice University and the University of Chicago, Uber and Lyft usage correlates with a 2–3% jump in nationwide traffic deaths, adding up to about 1,000 lives lost per year.

Injured in an Uber or Lyft accident in Bloomington? The sooner you know your legal options, the stronger your case will be.

Who’s Liable in an Uber or Lyft Accident in Bloomington?

Rideshare accidents are legally complex because responsibility changes depending on what the driver was doing when the crash occurred. Different insurance policies apply based on whether the driver had the app on, was en route, or actively transporting someone.

App Off:

The driver’s personal insurance applies.

App On (No Passenger):

Uber or Lyft provides limited third-party liability coverage (usually $50,000 per person, $100,000 per accident).

App On (With Passenger or En Route):

The full $1 million liability coverage kicks in.

We dig into the ride history and backend logs to clarify driver status and identify the correct coverage tier. We’re also prepared to dispute denied claims, clarify gray areas in driver activity, and hold all responsible parties accountable.

Common Causes of Uber and Lyft Accidents in Bloomington

Uber and Lyft drivers are frequently navigating busy roads while managing ride requests, customer service, and app-based instructions. That multitasking leads to serious safety issues and contributes to many of the accidents we see involving rideshare vehicles.

Distracted driving (e.g., checking the app, GPS, texting)
Fatigue from long driving shifts
Speeding or aggressive driving to meet ride quotas
Inexperienced drivers unfamiliar with Bloomington roads
Unsafe pick-up or drop-off locations

While rideshare companies do conduct driver screenings and monitor activity, they still depend on a vast network of independent contractors with varying driving records. Our firm takes a hard look at the specific causes in every case to identify liability and make sure negligent parties are held responsible.

Steps to Take After a Crash with Uber or Lyft in Bloomington

Getting injured in an Uber or Lyft crash means you need to take immediate action to preserve your legal options. That includes calling 911, seeking medical care, documenting the scene, and consulting an experienced attorney before speaking to insurers.

Call 911 and request medical assistance if needed.

Get the names, contact info, and insurance details of all parties involved.

Take screenshots of your Uber or Lyft trip, including timestamps.

Document the scene with photos or videos (vehicles, street signs, damage).

Do not accept early settlement offers or give recorded statements to insurance without legal guidance.

Rideshare companies may try to limit their financial exposure by shifting blame or delaying claim processes. Having a legal advocate from the start can protect you from tactics designed to reduce your compensation.

Typical Injuries from Uber and Lyft Collisions

Rideshare crashes often occur in dense traffic or urban corridors, where even a low-speed collision can cause significant injury. We’ve represented Bloomington clients who suffered from:

Whiplash and soft tissue injuries
Broken bones and fractures
Head injuries, including concussions and traumatic brain injuries (TBIs)
Spinal cord injuries
Internal bleeding or organ damage
Post-traumatic stress disorder (PTSD)

Even what seem like minor injuries sometimes result in chronic complications over time. Never let an insurance company minimize what you’re going through — our attorneys fight to ensure every aspect of your injury is well supported with evidence and accurately assessed.

Why Uber and Lyft Accident Cases in Bloomington Demand Aggressive Legal Action

Rideshare companies have layered insurance systems and massive legal departments trained to minimize payouts. Just one detail — like the driver’s phase in the trip — can mean the difference between full compensation and none at all.

If you try to go it alone, you may end up accepting a lowball offer — or worse, getting nothing. That’s why Boyadzhyan Law Firm takes an aggressive stance — holding these companies accountable and fighting for the compensation our clients truly deserve.

What You Should Do After a Rideshare Crash in Bloomington

If you’ve been involved in an accident with a rideshare vehicle, these steps are crucial to protect your legal and financial interests:

Get Medical Help Immediately

Even if injuries seem minor, documentation is essential.

Report the Accident to Authorities

Ensure police are called and a report is filed on the scene.

Document Everything

Photos, witness contact info, rideshare app screenshots, and vehicle damage.

Avoid Statements to Insurance Adjusters

Anything you say can be used to lower or deny your claim.

Contact an Attorney Quickly

Time-sensitive evidence and complex insurance policies require early legal intervention.

Even small mistakes — like not preserving app data or failing to identify the correct insurance tier — can cost you the compensation you deserve. Our team ensures every detail is covered from the very beginning.

Why Rideshare Crashes Occur in Bloomington

Crashes involving Uber and Lyft drivers frequently happen with added hazards due to smartphone reliance and unpredictable working hours. Research and insurance data suggest the top contributors include:

Distracted Driving – Rideshare drivers constantly check their apps for routes, messages, and updates.
Fatigue – Many drivers work long hours or drive for multiple services, increasing the risk of exhaustion.
Unfamiliar Routes – Unlike professional drivers, rideshare operators often rely entirely on GPS navigation.
Rush to Accept Fares – Quick turnarounds between rides can cause reckless maneuvers or speeding.
Poor Vehicle Maintenance – Drivers are responsible for their own vehicle upkeep, and issues may go unreported.

Groundbreaking research from top U.S. universities linked rideshare services to a 2 to 3 percent increase in traffic fatalities across major U.S. cities. This data confirms the public safety concerns of placing speed and convenience over safety.

How Rideshare Insurance Coverage Works in Bloomington, Illinois

Deciphering coverage options after an Uber or Lyft crash in Bloomington, Illinois is anything but simple. Both platforms provide third-party liability insurance, but the insurance limits varies with what the driver was doing at the moment of impact. These coverage tiers matter — and in Illinois, state-specific insurance thresholds make them even more significant.

Here’s a breakdown of the three distinct coverage periods:

Offline (App Off):

Only the driver’s personal insurance applies.

Available for Rides (App On, No Passenger):

Up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.

En Route or Transporting Passenger:

Up to $1 million in third-party liability coverage.

Securing a valid claim is far from automatic. Rideshare companies commonly dispute driver status, argue about policy activation timing, or redirect blame to personal insurers. At Boyadzhyan Law Firm, we bring the truth to light and build solid, evidence-backed claims to prove who’s responsible, what happened, and what you’re owed.

What Our Bloomington Lawyers Do to Win Your Rideshare Case

Our legal team uses a strategic, detail-oriented approach designed to transform even complex rideshare cases. Because Uber and Lyft tend to deflect blame or push quick payouts, we get to work fast — securing witness statements, documenting the crash timeline, and positioning your claim for success.

Immediate Investigation: We gather crash reports, app screenshots, black box data, and rideshare platform logs.
Driver Background Checks: We examine whether the driver had any history of violations or prior accidents.
Medical Record Coordination: We work closely with healthcare providers to document the true scope of your injury.
Expert Testimony: When needed, we bring in accident reconstructionists and economists to strengthen your claim.

By controlling the narrative early, we stop the rideshare company from shifting blame and ensure your story is told clearly, accurately, and with the right legal framing.

Understanding Compensation in Rideshare Cases in Bloomington

Victims of Uber or Lyft crashes may be entitled to significant compensation under Illinois law. At Boyadzhyan Law Firm, we take aggressive action to recover comprehensive compensation, including:

You may be able to recover compensation for:

Medical expenses (ER visits, surgery, rehab, prescriptions)
Lost income and reduced earning potential
Pain and suffering, including emotional distress and PTSD
Property damage
Loss of enjoyment of life or permanent disability

We don’t let the insurance company lowball your claim — we partner with economic and medical experts to accurately value your losses and pursue the maximum compensation available.

Get Legal Help After a Rideshare Accident in Bloomington, Illinois

Being hit by an Uber or Lyft shouldn’t leave you battling massive insurance corporations alone. At Boyadzhyan Law Firm, we manage the case from start to finish so you can focus on recovery. Our Bloomington, Illinois attorneys are seasoned in handling rideshare injury claims and routinely challenge big companies like Uber and Lyft.

We offer:

Free consultations with zero upfront costs

Contingency-fee representation — you don’t pay unless we win

Aggressive negotiation and litigation strategies

Compassionate support from day one through resolution

Don’t wait to get help. Let Boyadzhyan Law Firm fight on your behalf and help you recover fully.

Providing compassionate legal assistance for you and your family.

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