If you were hurt in an Uber crash in Two Harbors, you are likely juggling medical visits, missed work, and confusing insurance questions. Rideshare claims are not the same as typical car accidents, because coverage can change based on whether the app was on and if a trip was accepted. At Metro Law Offices, we help people in Lake County understand their options under Minnesota law and pursue fair compensation for medical bills, wage loss, and pain and suffering when allowed. We listen, explain your choices clearly, and build a plan around your goals so you can focus on healing while we handle the legal legwork.
Two Harbors residents and visitors use Uber to get around Highway 61, the harbor, and surrounding trails year‑round. When a collision happens, prompt steps make a difference: report the crash in the app, seek medical care, and preserve photos, dashcam footage, and driver information. Minnesota’s no‑fault system provides PIP benefits but does not automatically resolve everything, especially if injuries are significant or coverage disputes arise. Our team at Metro Law Offices coordinates claims with Uber’s insurer and your own policy, communicates with adjusters, and positions your case for settlement or litigation when needed. We are here to answer questions and guide you through each step.
Uber accidents can involve multiple insurers, shifting policy limits, and questions about whether the driver was on the app or actively transporting a rider. Having guidance ensures deadlines are met, statements are handled carefully, and all avenues of recovery are explored, including PIP, liability, and potential uninsured or underinsured motorist coverage. In Two Harbors, documentation can be time‑sensitive, especially in tourist seasons when witnesses are harder to track down. With support, you can focus on medical treatment while your claim is developed with records, bills, wage documentation, and future care needs. This approach often leads to clearer negotiations and better protected rights under Minnesota law.
Metro Law Offices is a Minnesota personal injury law firm serving communities across the state, including Two Harbors and Lake County. Our work on rideshare and passenger injury claims centers on careful investigation, open communication, and detailed documentation of damages. We routinely coordinate with medical providers, gather app data, and analyze coverage periods that impact Uber insurance limits. Clients appreciate our clear explanations, responsive updates, and practical strategies tailored to their goals. Whether your case is resolved through negotiation or requires filing suit, we’re committed to thorough preparation and steady advocacy from the first call through resolution. When you’re ready, we’re ready to listen.
Minnesota is a no‑fault state, meaning your Personal Injury Protection (PIP) benefits typically cover initial medical bills and wage loss up to policy limits, regardless of fault. In an Uber crash, additional insurance may apply depending on the driver’s app status. If the driver had the app on but no trip accepted, contingent liability coverage may be available. Once a ride is accepted or a passenger is onboard, Uber’s liability limits generally increase significantly. These differences matter when injuries are more serious or when PIP benefits are exhausted. Understanding how these layers interact is key to protecting your recovery in Two Harbors.
Beyond PIP, Minnesota law allows claims for pain and suffering and other non‑economic losses when certain thresholds are met, such as sufficient medical expenses, a permanent injury, permanent disfigurement, over 60 days of disability, or death. Proving these elements requires medical documentation, consistent treatment, and careful presentation of your daily limitations. For Two Harbors collisions, we often gather records from local clinics and Duluth providers, contact witnesses, and obtain scene photos or roadway data along Highway 61. Our role is to organize the evidence, meet deadlines, and communicate with insurers so your claim is positioned clearly and accurately from the start.
An Uber accident claim involves any injury or property damage arising when an Uber driver is involved in a crash, whether you were a passenger, another motorist, a pedestrian, or a cyclist. What makes it distinct is the involvement of a rideshare platform and the insurance periods that change with the app’s status. Claims can include PIP benefits through your policy, Uber’s contingent or primary liability coverage, and, when appropriate, uninsured or underinsured motorist claims. The core of the claim concerns who is at fault, the severity of injury, available coverage, and documented losses. Each factor affects the path toward settlement or litigation.
Strong rideshare claims are built on timely reporting, clear liability evidence, and thorough documentation of injuries and losses. We identify the app status, request insurance details, and preserve trip data and communications. Medical records demonstrate the nature and extent of harm, while wage statements and employer letters confirm lost income. We also consider future care, mileage, and replacement services with receipts. From there, we prepare a demand package outlining liability and damages under Minnesota law, negotiate with the appropriate carrier, and evaluate offers against your goals. If settlement is not fair, we discuss filing suit and litigate while continuing to explore reasonable resolution.
Rideshare cases rely on precise language. Understanding key terms helps you follow the claim and make informed decisions. The glossary below explains common concepts we reference when evaluating coverage, preparing demands, and negotiating with insurers. These definitions are general; your case depends on policy language and facts from the collision in Two Harbors. As we work together, we will apply these terms to your circumstances and explain how they influence strategy, timelines, and potential outcomes. Questions are always welcome, and we will revisit these concepts as your medical picture and documentation develop over time.
Uber’s insurance typically shifts based on the driver’s status. When the app is off, the driver’s personal policy applies. With the app on but no ride accepted (often called Period 1), contingent liability coverage may be available above personal limits. After a ride is accepted or a passenger is in the vehicle (Periods 2 and 3), Uber’s liability limits are generally much higher, and uninsured/underinsured motorist and contingent collision coverage may also apply. Knowing the correct period helps identify which insurer is primary and the likely policy limits. Documentation from the app and trip records typically confirms this status.
A contingency fee agreement is a payment arrangement where attorney fees are collected as a percentage of the recovery and only if money is obtained. This structure allows injured people to pursue claims without paying hourly fees as the case moves forward. You remain responsible for case expenses, which are discussed in writing and handled transparently. If there is no recovery, you typically do not owe an attorney fee under this arrangement. We explain the percentage, how costs are managed, and what happens at settlement so there are no surprises. Every client receives a written agreement outlining all terms.
PIP is Minnesota’s no‑fault coverage that pays certain medical expenses, wage loss, and replacement services after a crash, regardless of who caused it. Your policy usually provides these benefits first, even in an Uber accident. These payments can be subject to coordination with health insurance and require timely submissions of bills and forms. While PIP helps immediately, it may not cover all losses, and you may still have a claim against an at‑fault party for additional damages if state thresholds are met. Understanding PIP timelines and documentation requirements can keep your benefits flowing while your broader claim is developed.
Liability addresses who is legally responsible for causing the crash. Minnesota follows a comparative fault system, which means your recovery can be reduced by your percentage of fault, and you cannot recover if your fault exceeds the other party’s. In Uber claims, evidence may include driver statements, app data, vehicle telematics, photographs, and witness accounts. Police reports, while helpful, are not final on fault. Establishing liability early influences which insurer pays and sets the tone for negotiations. Even when multiple parties share responsibility, well‑organized evidence can clarify roles and support a fair allocation under Minnesota law.
Handling a claim alone may seem faster, but rideshare cases often involve layered coverage, shifting liability positions, and careful medical documentation. A do‑it‑yourself approach can work for very minor injuries and simple property damage, yet it carries the risk of undervaluing future care or missing deadlines. With full representation, we coordinate PIP, confirm Uber coverage periods, and present a complete demand that accounts for all losses recognized by Minnesota law. We also manage communications and shield you from unnecessary recorded statements. The goal is to reduce stress, avoid pitfalls, and position your claim for a fair, timely resolution.
If liability is admitted, injuries resolve quickly with little treatment, and you have minimal wage loss, a limited approach may be reasonable. In some Two Harbors fender‑benders involving Uber drivers, presenting organized medical bills, proof of brief time off work, and repair estimates can lead to a straightforward property and minor injury settlement. You should still document everything, avoid speculative statements, and confirm which insurer is responsible. Before signing a release, consider future symptoms that might not be fully known. A short consultation can help you evaluate whether a quick resolution meets your needs without leaving benefits on the table.
When a crash causes only vehicle damage and no physical injury, handling the claim directly with the responsible carrier can be efficient. Obtain multiple estimates, keep rental car and towing receipts, and gather photos from the scene in Two Harbors. If the Uber driver was not on the app, their personal insurance typically applies; if the app was active, contingent coverage may be involved. Confirm liability in writing and review the settlement documents carefully. Although many property claims resolve quickly, consider seeking guidance if you encounter delays, liability disputes, or unexpected coverage denials that could complicate recovery.
Significant injuries, extended therapy, surgery, or ongoing symptoms often require a comprehensive approach. In these situations, we coordinate medical documentation, obtain provider opinions on prognosis, and calculate future costs to present a full picture of damages. We also verify Uber’s coverage period and evaluate additional policies, such as underinsured motorist coverage, that may apply. This detailed work helps ensure your claim reflects not only current bills and wage loss but also future treatment, limitations, and the impact on daily life in Two Harbors. Thorough preparation supports stronger negotiations and positions your case if litigation becomes necessary.
Coverage disputes are common in rideshare claims, especially when there is disagreement about whether the app was on, a ride was accepted, or a passenger was onboard. We request app logs, trip records, and policy information to establish which insurer is primary and the available limits. If liability is contested, we gather witness statements, photographs, and, when available, vehicle data to clarify fault. Managing these conflicts takes time and precision, and it can significantly influence outcomes. By addressing status and coverage early, we reduce delays, protect your rights, and focus negotiations on fair compensation under Minnesota law.
A start‑to‑finish strategy keeps your claim organized from day one. We track treatment, bills, wage records, and out‑of‑pocket costs while confirming coverage and deadlines. This coordination prevents gaps in proof that insurers can use to discount your recovery. It also allows us to communicate consistent updates, adjust strategy as your medical picture evolves, and prepare a demand supported by evidence. When settlement is possible, we negotiate with a strong foundation; when litigation is appropriate, we’re already positioned with the documents and testimony needed. For Two Harbors clients, this structure reduces stress and keeps the focus on healing.
A comprehensive approach also helps capture all categories of damages recognized by Minnesota law, including future care, mileage, replacement services, and wage loss supported by employer statements. We work with your providers to clarify restrictions and long‑term limitations that affect activities in Lake County. By documenting how injuries impact daily life, recreation, and work, negotiations reflect more than just itemized bills. If questions arise about app status or comparative fault, we have the evidence ready to respond. This preparation leads to clearer discussions with insurers and provides a smoother path toward fair resolution, whether by settlement or in court.
Rideshare claims often involve multiple policies: PIP, Uber’s contingent or primary liability, and potentially uninsured or underinsured motorist coverage. We map out which coverage applies and in what order, then notify each carrier properly to protect your benefits. This avoids missed deadlines and preserves the right to make claims if new information emerges. For Two Harbors collisions, swift coordination helps secure benefits and keeps care on track. We also examine policy exclusions or offsets that can impact final recovery. By aligning the coverage pieces early, we present your damages once, cleanly, and in a way adjusters can evaluate efficiently.
Well‑documented claims are harder to dispute. We gather medical records, imaging, therapy notes, and provider opinions that explain the nature of injury and expected recovery. We also build wage and benefits proof through pay stubs and employer letters, and we track mileage, prescriptions, and replacement services with receipts. In Two Harbors, we often supplement with scene photos, weather data, or seasonal traffic facts when relevant. This detailed package supports pain and suffering claims when Minnesota thresholds are met. Strong documentation improves negotiation leverage and ensures that, if litigation is needed, your case has the evidence to move forward confidently.
Right after the crash, take wide and close‑up photos of vehicle positions, debris, license plates, and visible injuries. Save screenshots from the Uber app showing driver details, ride status, and timestamps. Ask witnesses for names and contact information, and request the incident number from responding officers. If conditions along Highway 61 or weather played a role, note them specifically. Keep a symptom journal from day one, tracking pain, sleep issues, and limitations. Early documentation fills gaps that insurers may question later and supports both no‑fault benefits and liability claims as your case progresses in Minnesota.
In rideshare cases, app data is often the key to coverage. Keep screenshots of the trip receipt, driver profile, pick‑up and drop‑off locations, and any in‑app messages. Do not delete the Uber app or change phones without saving relevant information to a secure location. If you receive emails from Uber or the insurer, download copies and store them with your claim documents. Note the time, date, and any surge pricing or route changes. These details help confirm whether the driver was off‑app, waiting for a ride, or actively engaged—facts that influence which policy applies and the available limits.
Rideshare collisions can be complex even when they look straightforward. Coverage can shift, recorded statements may be requested, and settlement offers might arrive before your medical picture is clear. An attorney can organize PIP benefits, verify Uber’s coverage period, and present a complete, well‑supported demand. That support can reduce stress and protect you from common mistakes, like signing broad medical authorizations or accepting a release too early. In Two Harbors, local knowledge of road conditions and seasonal traffic around the harbor can also inform the investigation and strengthen your position during negotiations.
If injuries are significant or you anticipate future care, having guidance helps ensure your claim includes long‑term costs, wage loss, and the impact on daily activities. Your case may also involve uninsured or underinsured motorist coverage, especially when multiple vehicles are involved. A lawyer coordinates these moving parts while keeping you informed and in control of decisions. When fair settlement is available, we pursue it; when litigation is appropriate, we outline the process and timeline. The goal is to protect your rights under Minnesota law and seek a resolution that supports your recovery and future stability.
Claims often arise when an Uber driver rear‑ends another vehicle along Highway 61, when passengers are injured during sudden braking or a side‑impact, or when pedestrians and cyclists are struck near busy crosswalks. Other frequent scenarios include collisions caused by poor weather, limited visibility around the harbor, or drivers distracted while navigating the app. In each case, identifying the driver’s app status and documenting the scene are essential to establishing coverage and fault. We help gather records, secure witness statements, and coordinate with insurers so your claim captures the full picture of what happened and how it affected your life.
Passengers may suffer neck, back, or head injuries when an Uber is hit or forced to brake suddenly on Highway 61 near Two Harbors. First, report the incident in the app and request medical evaluation, even if symptoms seem mild. Save your trip receipt, note weather and traffic, and take photos if safe. PIP benefits typically come from your own policy, but Uber’s liability coverage may apply if the Uber driver or another driver is at fault. Collect names of all drivers and witnesses. Early documentation and consistent treatment help show the connection between the crash and your injuries.
Pedestrian and cyclist cases require careful investigation to secure video, witness statements, and accurate measurements of the scene. If an Uber driver struck you near a crosswalk or trail access point in Two Harbors, document the exact location, lighting, and road conditions. Seek immediate medical care and keep photos of visible injuries as they heal. While your own PIP coverage may apply if you have a vehicle policy, Uber’s insurance can be involved depending on the driver’s status. We help determine which policy is primary and present a complete claim that reflects medical care, wage loss, and lifestyle impact.
Sometimes a collision involves a driver who works for Uber but was off the app at the time of the crash. In those cases, the driver’s personal auto insurance is usually the primary coverage, and Uber’s policy does not apply. Confirm the driver’s status through photos of the dashboard, statements, or later verification. Even without Uber coverage, your PIP and potentially uninsured or underinsured motorist benefits may help. We investigate liability, review policy language, and coordinate claims to avoid gaps in payment. A clear record of treatment and expenses supports negotiations and helps move your claim toward resolution.
Our approach is built on communication, preparation, and diligence. We start by listening to your story, then outline the law in plain language so you can make informed decisions. We gather records, confirm coverage, and prepare a strategy that fits your priorities, whether that means seeking a timely settlement or preparing for litigation. Throughout, you receive regular updates and direct answers to your questions. Two Harbors clients appreciate our steady guidance, attention to detail, and willingness to go step by step at a pace that feels right while meeting legal deadlines.
Rideshare claims often hinge on documentation. We coordinate medical records, wage proof, and app data to present a clear, compelling demand to the insurer. If questions arise about comparative fault or thresholds for pain and suffering, we address them with evidence and provider input. Our goal is to ensure your claim reflects not only bills and missed time from work, but also how injuries affect your daily life in Lake County. You remain involved in key decisions, and we tailor our recommendations to your goals and the facts as they develop.
We handle cases on a contingency fee, explained in writing at the start, so you can pursue your claim without hourly legal bills. We also discuss case expenses, timing, and what to expect from negotiation through potential litigation. When a fair settlement is available, we aim to resolve the case efficiently; when stronger action is appropriate, we are prepared to file suit and move forward. At Metro Law Offices, you can count on a steady, organized process designed to protect your rights under Minnesota law and support your recovery in Two Harbors.
We guide you through three phases: consultation, investigation, and resolution. In the consultation, we review the crash, injuries, and goals. During investigation, we gather records, verify Uber’s app status, and confirm coverage. In the resolution phase, we prepare a demand and negotiate with insurers, or we file suit if needed. You’ll receive regular updates, and we’ll explain each option before any decision is made. This structure keeps your case organized and responsive to new information as treatment progresses and helps move the claim efficiently toward a fair outcome for your situation in Two Harbors.
Your first meeting is focused on understanding what happened, your medical needs, and the most important outcomes for you. We review photos, the police report, app screenshots, and any letters from insurers. We explain Minnesota no‑fault benefits, potential liability claims, and how Uber’s coverage may apply. We also discuss timelines, what documents to gather, and how communication will work so you always know the status of your case. The result is a clear plan for the next steps and a checklist to help you stay organized while we begin coordinating with insurers and providers.
We start by listening carefully to how the crash has affected your health, work, and home life. Understanding your priorities—timing, medical care, and financial stability—helps shape strategy. We’ll ask about prior injuries, current symptoms, and providers you’ve seen in Two Harbors or nearby Duluth. We’ll also review available evidence, outline what else to collect, and answer your initial questions. By the end of this conversation, you’ll know the plan for verifying coverage, initiating PIP benefits, and setting up the foundation for your claim under Minnesota law, with clear expectations for communication and next steps.
We gather the building blocks of your claim—police reports, photos, app screenshots, and witness information—and send timely notices to the appropriate insurers. We verify which coverage is primary based on the Uber driver’s app status and request policy details. We also guide you on handling adjuster calls and avoiding statements that may be taken out of context. Early organization prevents delays and ensures your PIP benefits are set up quickly. At the same time, we create a secure file for medical records and bills so every dollar of your loss is tracked and supported from day one.
During this phase, we deepen the factual record. We obtain complete medical records, wage and benefit information, and any available video or telematics data. We analyze fault under Minnesota law and address questions about comparative responsibility. We also evaluate future care needs and document out‑of‑pocket expenses with receipts. With this foundation, we draft a detailed demand package that explains liability, outlines your damages, and presents supporting evidence in a clear, organized format. This helps adjusters evaluate the claim fully and creates a strong starting point for settlement discussions or, if necessary, litigation in Lake County.
We request medical records and bills from all providers, including primary care, specialists, therapists, and imaging centers. We also gather wage proof and employer letters confirming time missed and any accommodations needed. When witnesses are available, we secure statements early while memories are fresh, particularly for collisions near busy Two Harbors intersections or tourist areas. If weather conditions or road design are relevant, we note those factors as well. This collection builds credibility and ensures the demand reflects the full scope of your losses, not just the initial bills.
We total medical bills, wage loss, and out‑of‑pocket expenses, then assess future costs based on your providers’ recommendations. We match these damages to the available insurance layers, including PIP, Uber’s liability coverage, and possibly uninsured or underinsured motorist benefits. Understanding which policy pays first and how limits interact helps set realistic expectations and negotiation targets. We then prepare a demand letter that ties the facts to Minnesota law and supports each category of loss with documentation. Clear presentation reduces confusion, speeds evaluation, and often leads to more productive settlement discussions.
With the demand submitted, we engage in negotiation and evaluate each offer against your goals and the evidence. If a fair resolution is available, we finalize the settlement and address medical liens or reimbursements. If the insurer disputes liability or undervalues damages, we discuss filing suit in the appropriate court and outline the litigation timeline. Even during litigation, we remain open to mediated or direct settlement opportunities. Throughout, we provide updates and guidance so you can make informed decisions. Our objective is a resolution that supports your recovery and reflects the full impact of the collision.
Negotiations begin with a strong demand and continue through adjuster discussions, written offers, and counteroffers. When helpful, we suggest mediation with a neutral facilitator to bridge gaps and focus the parties on resolution. We prepare thoroughly, updating the mediator on liability, medical progress, and damages. You will understand the pros and cons of each proposal and remain in control of whether to accept or continue. If settlement is reached, we confirm terms in writing and handle closing documents, including lien resolution, so your net recovery is clear before finalizing the agreement.
When litigation is necessary, we draft the complaint, serve the defendants, and proceed through discovery, which can include written questions, document exchanges, and depositions. We work with your providers to clarify diagnoses, restrictions, and future care. Along the way, settlement opportunities may arise; we evaluate them based on new evidence and your goals. If the case proceeds toward trial, we prepare exhibits, witness outlines, and motions, and we keep you informed about each step so you feel ready and supported. The focus remains securing a fair outcome under Minnesota law.
Call 911 if needed, move to safety, and take photos of vehicles, the scene, and visible injuries. Report the crash in the Uber app and request driver and insurance information. Gather witness names and contact details. Even if symptoms seem minor, seek medical evaluation to document injuries early. Keep screenshots of the ride details, driver profile, and trip receipt. Avoid discussing fault at the scene. Notify your insurer to begin PIP benefits and consider contacting a lawyer to coordinate statements and coverage. Timely documentation along Highway 61 or near the harbor can be important, especially when conditions change quickly or tourists may be difficult to locate later.
In Minnesota, your PIP (no‑fault) coverage typically pays initial medical bills and a portion of wage loss regardless of fault, up to policy limits. If another party is at fault and thresholds are met, you may pursue additional compensation through that party’s liability insurance. Coordination is important so bills are directed to the correct insurer and benefits continue smoothly. If the Uber driver was responsible and on the app, Uber’s insurance may be involved depending on the ride status. If another driver caused the crash, their liability insurer is typically primary for injury claims. We help confirm coverage and present a complete, documented demand.
Uber’s coverage changes with the driver’s status. If the app is off, the driver’s personal policy applies. With the app on but no ride accepted, contingent liability coverage may be available above the driver’s policy. After a ride is accepted or during transport, Uber’s primary liability limits are generally higher, and other benefits like uninsured/underinsured motorist coverage may apply. We verify app status using trip records and communications, then notify the appropriate insurers. Correctly identifying the coverage period helps determine which carrier is primary and what limits are available. This step is essential for efficient claims handling and fair negotiations.
Yes, but only when Minnesota’s legal thresholds are met. Generally, you must satisfy requirements such as a certain amount of medical expenses, a permanent injury or disfigurement, extended disability, or death. These rules are designed to reserve pain and suffering claims for more significant injuries. Documentation drives these determinations. Provider notes, imaging, and consistent care help establish the nature and extent of harm. If the thresholds are met, we present non‑economic damages along with medical expenses, wage loss, and other financial impacts to pursue a full and fair resolution under Minnesota law.
It’s best to be cautious. Adjusters may ask for recorded statements early, sometimes before all injuries are known. You must cooperate with your own insurer for PIP, but you can request to postpone a recorded statement until you’ve spoken with a lawyer. For other insurers, you are not generally required to provide a recorded statement. We can prepare you for necessary communications, help you avoid speculation, and ensure your words are accurate and complete. This protects your claim while keeping the process moving. Written, documented submissions are often safer and clearer than unscripted calls.
Timelines vary. Minor‑injury claims may resolve in a few months once treatment concludes and records are complete. More serious cases can take longer, especially if you are still treating or if there are disputes about liability or coverage. Rushing to settle before the medical picture is clear can result in undervaluing the claim. We monitor treatment progress, update damages, and move promptly once the case is ready. If settlement talks stall or the offer is unfair, filing suit can be the next step. Throughout, we keep you informed so you can plan around realistic expectations in Two Harbors.
If the Uber driver was off the app, Uber’s policy generally does not apply. The driver’s personal auto insurance is typically the primary coverage, though your PIP benefits may still help with initial medical costs. We’ll verify status and policy details to determine the path forward. Even without Uber coverage, you may have claims against the at‑fault driver and, if needed, your own uninsured or underinsured motorist coverage. We gather evidence, coordinate benefits, and present your losses to the appropriate carriers to pursue a fair outcome.
Yes. Some injuries are not immediately apparent and can worsen over days or weeks. Early evaluation creates a clear medical record linking symptoms to the crash, which supports both treatment and your claim. Tell providers every area that hurts, even if it seems minor at the time. Follow through with recommended care and keep all records and receipts. Consistent documentation helps insurers understand the full impact of the collision and reduces disputes about whether treatment was related to the Uber crash.
Save the police report, photos, videos, and contact information for drivers and witnesses. Keep Uber app screenshots showing the ride confirmation, driver profile, timestamps, and any messages. Store all medical records, bills, mileage logs, and prescription receipts. For wage loss, keep pay stubs, tax forms, and employer letters showing missed time or restrictions. Maintain a journal describing pain, sleep issues, and daily limitations. This organized file makes claims evaluation faster and helps prevent insurers from overlooking key losses.
We offer a free consultation and handle injury cases on a contingency fee, which means attorney fees are collected only if we obtain a recovery. We explain the percentage and case expenses in writing so you know what to expect before moving forward. You won’t pay hourly fees. If there is no recovery, you typically do not owe an attorney fee under the contingency agreement. During the consultation, we’ll discuss your goals, the process, and how fees and costs are handled at settlement to ensure transparency and clarity.
