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.
The aftermath of a serious car accident can feel extremely overwhelming. From seeking the medical treatment you need to tracking down witnesses and attempting to get back on your feet financially, you have so much to do - and filing an insurance claim may be the last thing on your mind.
Fortunately, you don’t have to do this alone. An experienced Milwaukee auto accident lawyer can help you pursue the compensation you need from the insurance companies to move forward. Your attorney can also explain the different types of claims available that you are able to file and can build a strong case to maximize your potential settlement.
Here, we will share a brief overview of the types of auto insurance claims you can file and how a skilled personal injury attorney can help you prepare one.
When you are involved in a car accident with a driver who carries liability insurance, you can file a claim against that driver’s policy. This is often called a “third-party” insurance claim, since you do not have a contract with the other driver’s insurer.
When you file a third-party claim, your auto accident lawyer will contact the other driver’s insurance company to initiate the claims process. When the claim is set up, your lawyer will provide the necessary documentation in effort to get the insurance company to accept insurance coverage and liability. This may include the following types of information and evidence:
When you finish treating for your injuries or when it has been determined that you have a permanent injury or require future medical treatment, then your attorney will also provide additional documentation to the insurance company such as medical records, medical bills, permanency reports, lost wages, etc. as it relates to your injuries. This process often involves a series of negotiations between your attorney and the claims adjuster. A skilled personal injury attorney will work hard to ensure you are not pressured into settling for less than you deserve.
Wisconsin law requires all motorists to purchase liability insurance. Nonetheless, there are many drivers out there who can’t afford - or don’t bother to apply for - auto insurance. If you are hit by an uninsured driver, you will likely have to turn to your own insurance to pay for your damages. This is referred to as a "first party" insurance claim as it is against your own insurance company.
The State requires all drivers to carry minimum uninsured motorist coverage of $25,000 per person and $50,000 per accident for personal injuries. This coverage will pay for damages that you sustained when hit by an uninsured motorist.
However, this type of coverage does not pay for property damage to your vehicle. Property damage would be handled through the collision coverage portion of your policy.
Although Wisconsin law imposes minimum requirements for uninsured motorist coverage, it is not mandatory to purchase underinsured motorist (UIM) coverage in our State.
UIM coverage provides an increased amount of coverage if you are injured in an accident caused by a motorist who was underinsured. UIM coverage increases the bodily injury protection if the limits of the at fault party are less than your UIM limits.
When you are injured in a car accident, you need diligent, high-quality representation - regardless if you file a third party insurance claim or a claim against your own insurance company.
Milwaukee car accident law firm Natasha Misra Law can help. With a history of helping accident victims recover the compensation they deserve, we stand ready to discuss your case with you. Contact us today for a free consultation.
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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