Rideshare apps like Uber and Lyft have become part of everyday life in Milwaukee. But when an accident happens, it is assumed that the rideshare company’s insurance will take care of everything. Unfortunately, that’s not always the case. Rideshare companies often deny claims, leaving injured drivers and passengers feeling frustrated and unsure of what to do next.
At Natasha Misra Law, we know how disruptive this can be. Our rideshare accident lawyers helped clients across Wisconsin navigate denied claims, and we’re here to explain your options and how to move forward.
Before looking at solutions, it’s important to understand why a rideshare company might reject your claim. Common reasons include:
Disputes Over Fault – If there’s any question about who caused the crash—the rideshare driver, another motorist, or even both—companies may deny coverage.
A Different Policy Applies - If you receive a denial, there may be a different insurance policy that applies to the facts of the particular accident.
Lack of Documentation – Missing police reports, incomplete medical records, or other gaps in evidence can give insurers an excuse to push back.
Policy Exclusions – Rideshare policies are complicated. Depending on whether the app was on, off, or waiting for a ride, different coverage rules apply.
Understanding the “why” behind a denial helps you and your lawyer identify the next step.
A denied claim is not the end of the road. Here’s what you can do:
1. Consult with a Rideshare Accident Lawyer: Talking with an attorney should be one of your first moves. A Milwaukee rideshare accident lawyer can:
Evaluate Your Case – Review the accident details and the denial letter to identify weaknesses in the company’s reasoning.
Sort Our Insurance Coverages - An experienced attorney can look at all available insurance policies and see which apply to the circumstances of the accident.
Explore Options – From negotiations to filing a lawsuit, your lawyer will help you understand the best path forward.
Build Evidence – Lawyers know what records, statements, and reports are needed to make your case stronger.
2. Review the Denial Letter Carefully: Rideshare companies are required to explain why they’re denying your claim. Look for:
Specific Policy References – Pay attention to the insurance terms they cite.
Requests for More Information – Sometimes a denial isn’t final. Providing additional documentation may change the outcome.
3. Strengthen Your Documentation: A solid paper trail makes it harder for companies to avoid paying:
Accident Reports – Always get an official police report.
Medical Records – Keep detailed documentation of your injuries, treatments, and costs.
Witness Statements – Independent accounts can confirm what happened.
Wisconsin uses a fault-based insurance system. That means the driver (or drivers) responsible for the crash must cover damages. In a rideshare accident, this often involves multiple parties: the rideshare driver, another motorist, and the rideshare company itself. Proving fault clearly is one of the most important parts of a successful claim.
A denied rideshare claim can leave you feeling like you’ve run out of options. But you don’t have to face Uber, Lyft, or their insurance companies alone. At Natasha Misra Law, we fight for injured passengers across Milwaukee, Madison, Appleton, Green Bay, and surrounding areas. We’ll review your case, explain your options, and take on the insurance companies so you can focus on healing.
Contact us today for a free consultation. Don’t let a denied claim stand in the way of your recovery. Take the first step toward justice with Natasha Misra Law.
Wisconsin drivers are required to report motor vehicle accidents that involve:
Those involved in the accident are required to report the accident to the police department, the sheriff’s department, the traffic department or the Wisconsin State Patrol. If a law enforcement officer responds to the accident, they have 10 days to file a report with the Wisconsin Department of Transportation, or WisDOT.
In some cases, however, law enforcement may not respond to a car accident. In those situations, the individuals involved in the accident are required to report the crash to WisDOT. Drivers may get a letter from WisDOT requesting them to complete a report. If you receive this request from WisDOT, then you are required to complete the report. If you do not file a report or complete a report sent to you by WisDOT, then you may be fined for your failure to comply.
If law enforcement does not respond to your accident, then you will need to submit an accident report to WisDOT. To do this, you will need to complete an online form titled “Wisconsin Driver Report of Crash DT4002.” You can find this form online HERE.
Before you begin filling out the online form, however, you should gather the information that you will need to complete the report. WisDOT will request the following information:
WisDOT will also request information about the accident. Specifically, the department will ask you to describe the accident and who was involved. For example, you will need to indicate whether the accident involved a motor vehicle, an animal, a bicyclist, a pedestrian, a parked vehicle or unoccupied vehicle, a fixed object or a non-fixed object.
In addition, you will be asked to discuss any injuries that occurred as a result of the car accident. The report will ask you to indicate whether you have suspected serious injuries (including deep lacerations, broken bones, paralysis, unconsciousness or significant loss of blood), suspected minor injuries (like minor cuts), or possible injuries (such as whiplash, limping or nausea).
Completing the online accident report form should take less than an hour to complete. Not only will reporting the accident help you avoid any potential fines, but you will also be able to use the accident report when seeking damages for your injuries.
After an accident, your insurance company will likely request a copy of the accident report. In fact, before an insurance claim can be paid, the driver responsible for causing the accident must be identified. The driver at fault for the accident will then be responsible for compensating the other driver for his or her injuries and property damage.
Often, the accident report will be used to determine who was at fault for a car accident. In the event that there is a dispute regarding who is responsible for causing the accident, the official accident report will serve as the basis for an investigation into how the accident occurred.
If you have been injured in a car accident in Wisconsin, it is important that either a law enforcement official or you file an accident report with the WisDOT. The report will help identify the at fault party who caused the accident and ultimately help you recover compensation for your injuries.
When injured in a crash, you should also consult an experienced Milwaukee personal injury attorney - Natasha Misra Law. Our law office can help you with the accident reporting process and assist you in obtaining a copy of the accident report. Call our office at (414) 635-2858 for a free consultation and speak with a Milwaukee car accident lawyer today.
My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.
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