Chicago train accident lawyer | Coplan and Crane

What Happens if You’re Injured on a Metra Train?

August 14, 2026

If you were injured on a Metra train in Chicago, you may be entitled to financial compensation under Illinois law. Metra accident victims can seek financial compensation under various circumstances. This includes compensation not only for their medical bills, but for their lost earnings, pain and suffering, and other financial and non-financial losses as well. 

But, nothing will happen unless you take action. 

To seek the financial compensation you deserve, you need to be proactive about protecting and asserting your legal rights. Among other things this means seeing a doctor (if you haven’t already) and talking to a lawyer who handles Metra accident cases. Once you hire a lawyer to represent you, your lawyer will be able to guide you forward while fighting for just compensation on your behalf. 

5 Key Steps for Seeking Compensation After Being Injured on a Metra Train

Once you have seen a doctor, your focus should be on fighting for the financial compensation you deserve. Here is a brief overview of the steps involved in seeking compensation after a Metra accident: 

1. Hiring a Metra Accident Lawyer to Represent You

Seeking the financial compensation you deserve after being injured on a Metra train is not easy. As a result, you will need an experienced lawyer on your side. Specifically, you will need a lawyer who is familiar with the unique legal issues involved in Metra accident cases. From determining liability to determining what constitutes “just” compensation for your financial and non-financial losses, all aspects of the process require experienced legal representation. 

2. Conducting a Comprehensive Investigation 

Determining liability for your Metra accident will require a comprehensive investigation—and this investigation should take place as soon after the accident as possible. Investigating a Metra accident can be a multi-step process, with the steps involved potentially including:

  • Conducting a forensic investigation at the scene of the accident
  • Inspecting the specific train (and train car) on which you were injured 
  • Obtaining internal records from the Metra train operator 
  • Obtaining the train conductor’s employment and cell phone records 
  • Talking to eye-witnesses, reviewing camera footage, and engaging experts

Even these are just examples. If you have a Metra accident claim, it will be critical to gather all of the available evidence before it disappears. This is one of several reasons why you should not hesitate to contact an experienced lawyer. 

3. Determining Which Entity (or Entities) Are Liable for Your Injuries

After investigating the accident, your lawyer will be able to determine which entity (or entities) are liable for the losses you sustained as a result of being injured on a Metra train. In Metra accident cases, there are several potentially liable parties, including:

  • The Regional Transportation Authority (RTA)
  • The Northeast Illinois Regional Commuter Rail Corporation (NIRCRC)
  • Union Pacific (UP) or BNSF Railway
  • A driver who caused the accident (or the driver’s insurance company)
  • Another party that caused (or contributed to causing) your injuries

To seek the financial compensation you deserve, you need to file a claim against the right party (or parties). If you attempt to hold the wrong party accountable, you won’t be able to recover the financial compensation you deserve. 

4. Filing Your Metra Accident Claim

Once you know what claim (or claims) you need to file, then you can take legal action. If you hire a lawyer to represent you, your lawyer will take legal action on your behalf. Your lawyer will file your claim (or claims) before the statutory deadline expires, and then your lawyer will work to secure just compensation for all of your present and future losses resulting from your Metra accident.

5. Making Informed Decisions About Settlement and Going to Court

If you have a strong claim for financial compensation related to injuries you sustained in a Metra accident, you may receive a settlement offer relatively early in the process. If a settlement offer is on the table, it will be critical for you to make an informed decision about whether to accept. You do not want to settle your claim too soon—as this could mean leaving a significant amount of money on the table. 

While most successful Metra accident claims settle, some accident victims will need to take their claims to court. If going to court is what it takes to assert your legal rights successfully, you will need a lawyer who knows what it takes to win just compensation at trial. 

Schedule a FREE Consultation with a Chicago Metra Accident Lawyer Today

Were you injured on a Metra train? If so, the experienced attorneys at Coplan + Crane want to hear from you. We understand the hardships you may be facing, and we are committed to helping you recover the justice and compensation to which you may be entitled under Illinois law.

Contact Coplan + Crane today online or at (312) 982-0588 for a FREE case evaluation. Our Chicago train accident lawyers help clients across Illinois, including Chicago, Oak Park, Rockford, and other areas.