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.
Collision and comprehensive coverages are optional forms of insurance coverage that you may purchase under your auto insurance policy to compensate you for damage to your vehicle. Collision and comprehensive coverages can pay for the repair of your vehicle or the value of your vehicle regardless of who is at fault.
This blog discusses the benefits of collision and comprehensive insurance coverages.
If you have collision coverage, your auto insurance company will pay for damage to your vehicle if your vehicle collides with another vehicle or a hit-and-run vehicle. Your auto insurance company will pay for the damage to your vehicle even if you are at fault for the accident.
When Should I Buy or Drop Collision Coverage?
The amount you pay for collision coverage depends on the year, make and model of your car. Before you buy or drop collision coverage, you should look at the current value of your car as well as your ability to buy a similar car in the event that your car is totaled. If you own your car and can afford to replace your car on your own, you may decide not to purchase collision coverage.
What Is Comprehensive Coverage?
Comprehensive coverage pays for vehicle damage caused by covered events such as theft, vandalism, hail and flood damage. It also pays for damage to your vehicle as a result of striking an animal such as a deer.
Generally, if repairs exceed the value of your vehicle, your vehicle will likely be deemed a total loss. In order to receive payment for the total loss of your vehicle, you will need to use one of the following forms of auto coverage:
Collision Coverage will pay for damages as a result of a collision with another vehicle or object.
Comprehensive Coverage will pay for damages if your vehicle is stolen, vandalized or if you hit an animal, such as a deer.
Property Damage Liability Coverage allows you to receive compensation for your vehicle from the at fault party’s auto insurance policy.
A deductible is the amount of money you will be required to pay for damage to your car before your insurance company pays. The deductible for comprehensive coverage or collision coverage is applied to each accident or incident. For example, if you are in a car accident in the morning (collision coverage) and your car is stolen later that night (comprehensive coverage), then your insurance company will apply two different deductibles.
The higher the deductible means the lower the premiums. If you can afford the risk of a higher deductible, this can lower your insurance premiums.
If you have questions about your collision or comprehensive coverage after an accident, you should discuss your options with an experienced Milwaukee car accident lawyer. When Natasha Misra Law represents you for your injury claim, we also help you at no additional cost with the issue of repairing or replacing your vehicle to the full extent permitted by insurance coverage and the law. If you have been in an accident, you should not have to bear the economic burden. Together, we will look at the facts of your case and uncover all potential sources of recovery.
Call our office today at (414) 635-2833 to speak with a Milwaukee personal injury attorney.
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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