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.
If you are involved in an automobile accident in Wisconsin, the at-fault or negligent driver is responsible for any damages or injuries. A personal injury claim will help you recover the related medical expenses, but these lawsuits can take time. Sometimes, accident victims will delay treatment for accident-related injuries until the case settles to avoid any out-of-pocket costs, but this can lead to aggravated injuries and unnecessary discomfort.
So, how can you pay for accident-related medical costs before you recover damages from a lawsuit? Here is what you need to know:
Your automobile insurance policy may come with medical payments coverage, also known as med pay. This insurance covers medical costs for you or a family member injured in an automobile accident or as a pedestrian injured by an automobile. Regardless of who is at fault, medical payments coverage pays for accident-related medical costs for any passengers in the policyholder’s vehicle, even if there is no familial relation.
Yes. In fact, submitting medical bills to your own health insurance company can save you from annoying bill collection calls, past due notices, and other headaches. Health insurance companies often pay medical providers at a discounted rate. This means your insurer will likely pay less than the amount you are billed. Ultimately, the at fault party will still be held accountable for your medical expenses, and your health insurance will be subrogated or paid back from the settlement with the at fault party.
A Letter of Protection notifies your medical provider that your medical bills are the subject of ongoing litigation and assures that upon resolution of the case, any outstanding medical debt will be satisfied. Typically, a Letter of Protection from your lawyer will result in an agreement from medical providers to cease collection efforts until the case is resolved.
If you have health insurance or auto insurance with medical payments coverage, an attorney can assist you in submitting your medical bills using your own insurance to manage your accident-related medical expenses. Once your accident case settles, both you and your insurance company will be repaid with settlement funds. However, if you do not have insurance, a Letter of Protection from your attorney may be enough to keep your provider from sending outstanding balances to collections until your case settles. Talk with your personal injury attorney to find out the best way to manage your accident-related medical expenses.
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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