Figuring out which insurance policy actually applies after a Lyft crash trips up a lot of people, and reasonably so. Illinois law ties coverage to exactly what the driver was doing on the app at the moment of the crash, which means the same accident can be handled very differently depending on small details.
Why Does A Driver’s App Status Change The Insurance That Applies?
Illinois regulates rideshare companies through the Transportation Network Providers Act, which sets tiered insurance requirements based on where a driver was in the trip process. A driver who is logged in but has not
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Understanding The 51 Percent Fault Rule
Sharing some blame for an accident does not automatically end a claim in Illinois. State law reduces compensation based on fault rather than wiping it out entirely, though there is one specific point where recovery does disappear completely.
Illinois Uses A Modified Comparative Fault Standard
Under Illinois law, an injured person can recover damages as long as their own share of fault stays below 51 percent. This standard is set out directly in the state’s civil procedure statute governing negligence claims, and it applies broadly across car accidents, premises cases, and most other injury claims. Once fault reaches that…
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New Illinois Law Requires Many Employers to Pay Employees During Jury Duty
What Public Act 104-0683 Means for Illinois Workers and Employers
Serving on a jury is one of the most important civic responsibilities Americans have. Every day across Illinois, ordinary citizens help decide criminal and civil cases that shape lives, businesses, and communities. Yet for many workers, receiving a jury summons has created a difficult question:
Can I afford to miss work?
Until now, many Illinois employees had to choose between fulfilling their civic duty and receiving a paycheck. While employers were generally required to allow employees time off to serve on a jury, they were not required to continue paying…
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The Power of a Law Firm Brand: Why Trust Matters Long Before an Accident Happens
When someone has been injured in a car accident, their world can change in an instant. They’re overwhelmed with medical appointments, insurance adjusters, lost wages, and uncertainty about the future. Choosing an attorney isn’t just another business decision—it’s a deeply personal one.
So what makes someone choose one law firm over another?
That question was the focus of a recent conversation between Disparti Law founder Larry Disparti and nationally recognized attorney Mike Morse on the Fireproof Podcast. During the discussion, Larry shared insights into building one of Chicago’s most recognized personal injury law firms and why true success has always…
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Two Claims Families Can Pursue Together
Losing a family member because of someone else’s carelessness brings an overwhelming amount to deal with, and the legal side of it often gets confusing fast. Illinois actually recognizes two distinct types of claims after a death like this, and understanding the difference matters for what a family can ultimately recover.
The Survival Act Covers What The Person Experienced
Illinois’ Survival Act allows the deceased person’s estate to pursue the claims that person could have brought had they lived. This includes medical expenses from the time between the injury and death, lost income during that same period, and compensation for…
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How Traffic Cameras Shape Fault Findings
Chicago has one of the largest automated traffic enforcement networks in the country, and that footage does more than generate tickets. When a crash happens near a monitored intersection, camera footage can become one of the clearest pieces of evidence available for figuring out who was actually at fault.
Why Chicago Relies So Heavily On Camera Enforcement
The city places red light and speed cameras at intersections based on crash history, prioritizing locations with a high rate of dangerous angle crashes. According to the city’s own red light camera enforcement program page, cameras at these intersections have been associated…
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Medical Liens and Your Chicago Settlement
Walking away from a car accident settlement with less than you expected is a frustrating experience, and medical liens are often the reason. If your medical bills were covered by a health insurer, Medicare, Medicaid, or a hospital’s charity program, the entity that paid those bills may have a legal right to be reimbursed from your settlement. Understanding how this works before you settle makes a significant difference in what you actually keep.
What a Medical Lien Is
A medical lien is a legal claim against your settlement proceeds by a party who provided or paid for your medical care.
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Why Early Legal Help Wins Chicago Car Accident Cases
Most people assume that the time to hire a lawyer is when negotiations stall or when the insurance company makes an offer that seems too low. By that point, months may have passed and significant damage to the claim may already have occurred. The window when legal involvement matters most is far earlier than most people realize.
Evidence Disappears Faster Than Most People Expect
The physical evidence that makes a car accident case strong has a very short shelf life. Surveillance footage from businesses, traffic cameras, and dashcams is typically overwritten on cycles ranging from 30 days to as little…
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Pain and Suffering in Chicago Car Accident Cases
After a car accident, the bills are easy to count. Medical invoices, repair estimates, and missed pay stubs all have dollar figures attached. Pain and suffering is different. It’s real, often the most significant part of what an injured person experiences, but it doesn’t come with a receipt. Understanding how Illinois law treats this category of damages and what affects its value is important for anyone navigating a car accident claim in Chicago.
What Pain and Suffering Actually Covers
Pain and suffering is a non-economic damage category encompassing the physical and emotional consequences of an injury that go beyond direct…
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Pre-Existing Conditions and Car Accident Claims
A prior back injury. An old knee surgery. A history of migraines. For many people injured in car accidents, a pre-existing condition becomes one of the first things the at-fault driver’s insurance company raises when evaluating the claim. Understanding how Illinois law addresses this situation matters significantly for anyone whose medical history might be used against them during the claims process.
The Eggshell Skull Rule
Illinois follows the principle known as the eggshell skull rule. The concept holds that a defendant must take the plaintiff as they find them. If an injured person has a pre-existing condition that causes them…
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Disparti Law Files Retaliatory Discharge Lawsuit Against City of Chicago and Alderman Desmond Yarcy
After reporting violations to the Ethics Department, fired Aldermanic Chief of Staff files lawsuit against the City and Alderman.
Disparti Law Group has filed a lawsuit in the Circuit Court of Cook County on behalf of Ernestine Key, the former Chief of Staff for Chicago’s 5th Ward Alderman Desmond Yarcy, alleging she was unlawfully retaliated against after reporting suspected ethics violations to the City of Chicago Office of Inspector General (OIG).
The complaint alleges violations of the Illinois Whistleblower Act and seeks damages resulting from what Ms. Key contends was retaliation for fulfilling her legal and ethical obligations as a…
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Multi-Vehicle Pile-Up Claims in Chicago
A two-car accident has a relatively straightforward fault analysis. Add a third, fourth, or fifth vehicle to the mix and the picture changes significantly. Chicago’s expressways and congested arterials see multi-vehicle pile-ups regularly, particularly in poor weather and high-traffic conditions. When multiple drivers share responsibility for a chain-reaction crash, the claims process is more complicated than most injured people initially expect, and the stakes of getting it right are typically much higher.
How Fault Works in a Chain-Reaction Accident
Multi-vehicle accidents typically involve a sequence where one collision triggers another. An initial impact causes a car to stop abruptly, and…
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Chicago Car Accidents and Wrongful Death Claims
When a car accident takes someone’s life, the legal process that follows is fundamentally different from a standard injury claim. The person most directly harmed can no longer pursue their own case. Illinois law provides a specific framework for surviving family members to seek justice and compensation, but the process has its own requirements, deadlines, and categories of recovery that families need to understand early.
What Illinois Wrongful Death Law Covers
Illinois’s Wrongful Death Act, codified at 740 ILCS 180, authorizes surviving family members to bring a civil claim when a person’s death is caused by the wrongful act,…
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Four Cars Collide on Route 59 in Plainfield
On March 25, 2026, four vehicles collided in the northbound lanes of Route 59 near 135th Street in Plainfield after a driver failed to slow down at a red light. According to Patch, the impact caused one vehicle to roll onto its side, and firefighters had to extricate the at-fault driver from the wreckage.
How the Crash Happened
Police determined that three vehicles were stopped at a red light when a northbound Hyundai Tucson swerved and struck a Hyundai Elantra. The force of the collision caused the Tucson to roll onto its side and strike a Ram 2500, while…
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CTA Rider Set on Fire on Blue Line Train
In November 2025, a woman was set on fire while riding a CTA Blue Line train in Chicago’s Loop. According to ABC7 Chicago, the suspect had been arrested 72 times previously and was on electronic monitoring at the time of the attack. The incident raised serious questions about passenger safety on public transit and the systems meant to prevent this type of violence.
The Civil Side of a Criminal Attack
While much of the public attention has focused on the criminal case, there is also a civil side to consider. Under Illinois law, survivors of violent attacks on public…
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Illinois Car Accident Filing Deadlines
After a car accident in Chicago, medical care and daily recovery naturally take priority. Legal deadlines don’t feel urgent in those early weeks. But Illinois sets a firm cutoff for filing car accident lawsuits, and once it passes, the right to pursue compensation is gone entirely, regardless of how strong the underlying case might be.
The Standard Two-Year Deadline
Under 735 ILCS 5/13-202, personal injury lawsuits in Illinois must be filed within two years of the date of the injury. For most car accidents, that means two years from the crash date. Miss the deadline, and Illinois courts will…
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