If you were hurt in a car accident in Cold Spring, you deserve clear guidance and steady support. Whether you were a driver, a passenger, or using a rideshare service like Uber or Lyft, Minnesota’s no-fault system can feel confusing right when you need care, wage coverage, and transportation help. Metro Law Offices helps people in Stearns County navigate claims, preserve evidence, and avoid common insurance mistakes. We coordinate medical documentation, communicate with insurers, and protect your timeline. From Highway 23 collisions to neighborhood intersections, we understand how local conditions and Minnesota law interact. Our goal is simple: reduce stress, organize your claim, and seek the best path forward so you can focus on healing.
Passengers and rideshare users in Cold Spring face unique questions after a crash, including which policy pays first, how Uber or Lyft coverage applies, and when you can pursue pain and suffering. Minnesota’s no-fault benefits can cover initial medical bills and certain wage losses, but additional claims may be available when injuries meet state thresholds. At Metro Law Offices, we begin with a friendly, straightforward consultation to learn your story and map your options. We’ll help set realistic expectations, address transportation and treatment coordination, and take over insurer communications when you prefer. If you’re unsure about recorded statements or paperwork deadlines, we can help you act carefully and on time.
Early guidance helps you protect your health, your claim, and your peace of mind. In the first days after a Cold Spring collision, choices about treatment, vehicle inspections, and recorded statements can shape your case. We help you document injuries, gather photos and witness contacts, and file no-fault applications quickly so bills and wage loss are addressed. For rideshare passengers, we clarify which coverage applies and when. We also track deadlines, verify medical records, and organize communications so nothing slips through the cracks. With a clear plan, you can avoid avoidable delays, preserve critical evidence, and make informed decisions that support a fair and timely resolution.
Metro Law Offices is a Minnesota personal injury law firm serving people across Stearns County, including Cold Spring. Our approach is practical and caring: listen closely, move quickly, and keep clients informed at every step. We handle passenger and rideshare claims regularly, including cases involving multiple insurers, contested liability, and complex coverage layers. We focus on communication, thorough documentation, and steady negotiation grounded in Minnesota law. You will know what we’re doing and why, and you will always have a say in the direction of your case. When questions come up, we return calls and explain options in plain language you can trust.
Minnesota is a no-fault state, which means your own policy’s personal injury protection typically pays initial medical and wage benefits regardless of who caused the crash. Passengers may use the driver’s policy, their own household policy, or other coverage depending on circumstances. When rideshare services are involved, Uber or Lyft policies may provide additional coverage tied to the driver’s app status. If your injuries meet state thresholds, you may seek pain and suffering and other damages from an at-fault driver’s insurer. Understanding which policy applies first, how benefits coordinate, and what documentation insurers expect will put you in a stronger position to recover fully.
Claims often unfold in stages: no-fault benefits begin, liability is investigated, and settlement discussions develop once treatment stabilizes. In Cold Spring, we routinely see collisions on Highway 23, County roads, and neighborhood streets that trigger more than one insurer’s involvement. Preserving photos, police reports, witness info, and consistent medical notes is essential for building a clear story. For rideshare crashes, app status and trip records can significantly affect coverage. We help you organize medical records, track out-of-pocket expenses, and manage communications so you can concentrate on your recovery while your claim progresses carefully and on time.
A Minnesota car accident claim is the process of seeking benefits and compensation after a crash. It usually starts with no-fault benefits for medical care and certain wage losses, then may include a liability claim against the at-fault driver if legal thresholds are met. Passengers can access coverage through household policies, the driver’s policy, or, in rideshare cases, corporate policies tied to the driver’s status in the app. For non-economic damages like pain and suffering, Minnesota requires meeting specific thresholds, which may involve medical cost minimums, disability duration, or permanent injury. The goal is to return you, as much as possible, to your pre-incident position.
Important components include documenting injuries, proving liability, verifying applicable coverage, and accurately valuing damages. In Cold Spring crashes, multiple policies may apply, including no-fault, liability, and uninsured or underinsured motorist coverage. Rideshare cases add layers connected to trip status, which can unlock higher limits. Timelines matter: immediate medical attention supports both health and documentation, and early notices to insurers protect your benefits. As treatment progresses, we assemble records, bills, wage proof, and repair or total loss documentation. When the time is right, we present your claim with a clear narrative, supporting evidence, and a settlement demand that reflects your full picture.
Understanding a few core terms can reduce confusion and help you make confident choices. No-fault benefits, also called PIP, address early medical bills and certain wage loss. Liability coverage protects others if a driver is at fault. Uninsured and underinsured motorist coverage may step in when the at-fault driver has no insurance or not enough. Comparative fault rules can reduce recovery if more than one party shares responsibility. In rideshare crashes, coverage depends on whether the driver’s app was on, a ride was accepted, or a passenger was on board. With these concepts in mind, the claim pathway becomes clearer.
Personal Injury Protection is Minnesota’s no-fault coverage that pays certain medical expenses and a portion of lost wages regardless of who caused the crash. For passengers, PIP may come from a household policy or the driver’s policy, depending on circumstances. Promptly filing your application and submitting supporting documents can keep care moving and reduce financial stress. PIP does not resolve every loss, but it provides an essential bridge during treatment and investigation. When injuries meet state thresholds, additional claims for pain and suffering and other damages may follow. Coordinating PIP with health insurance and liability coverage is a key part of a well-managed case.
Uninsured Motorist and Underinsured Motorist coverage protect you when the at-fault driver lacks insurance or does not have enough. In passenger and rideshare crashes in Cold Spring, UM/UIM may be critical if a negligent driver flees or carries minimal limits. These coverages can also apply after a settlement with the at-fault insurer, if approved procedures are followed. Timely notice to your own insurer, careful documentation of injuries and losses, and adherence to policy requirements are essential. Properly stacking available coverages may improve your chance to be made whole. We analyze policies early so you know what protections you actually have.
Minnesota uses a modified comparative fault system. Your recovery can be reduced by your share of responsibility, and you cannot recover from another party if you are more at fault than they are. Passengers are often not assigned fault, but insurers still evaluate conduct, seat belt use, and statements. In rideshare cases, fault may be shared among multiple drivers, requiring careful investigation. Documentation, witness accounts, and crash reconstruction can clarify what actually happened. Understanding comparative fault helps set realistic expectations for settlement negotiations and, if needed, litigation. We work to present facts clearly and fairly, aiming to minimize any unwarranted fault assessments.
A statute of limitations is the legal deadline to file a lawsuit. Minnesota has different timelines depending on the type of claim and coverage involved. Missing a deadline can end your case, even if liability is clear. We identify applicable dates early and track them throughout your matter. Evidence preservation should begin well before any deadline so your case is strong if litigation becomes necessary. For passengers and rideshare claims in Cold Spring, multiple policies can impact notice requirements and timing. Reaching out quickly helps ensure we can protect your rights, secure crucial records, and guide the case on a timely path.
Some people handle straightforward claims on their own, especially when injuries are minor and liability is uncontested. Others ask for limited help with forms, letters, or strategy while still communicating with insurers directly. When injuries are significant, fault is disputed, or multiple carriers are involved, full representation can reduce risk and workload. In Cold Spring passenger and rideshare claims, coverage layers and documentation can quickly become overwhelming. The right approach depends on your injuries, comfort with negotiations, and available time. We listen first, then suggest a plan that fits your situation, whether that’s a light assist or a start-to-finish partnership.
If your Cold Spring crash involved no injuries and only vehicle damage, a limited approach may work well. We can help you gather key documents, request the police report, and prepare a clear demand for repair or total loss valuation. You may feel comfortable handling adjuster calls while we provide strategy, sample language, and review settlement paperwork. This approach can help you avoid common pitfalls without the need for full representation. We’ll flag issues like diminished value, rental coverage, and supplemental repair costs so you can negotiate confidently. When questions arise, you’ll have a plan and reliable guidance close at hand.
For minor soft-tissue injuries with short treatment and clear liability, limited assistance can streamline your claim while keeping costs down. We can guide you on using no-fault benefits, tracking out-of-pocket expenses, and assembling medical records. When you’re ready, we’ll help structure a concise settlement package that highlights the injury, treatment, and recovery timeline. You remain the primary point of contact with insurers, but you won’t have to guess about forms, medical summaries, or negotiation talking points. If the claim becomes more complicated than expected, we can pivot to expanded support to match the new circumstances.
When fault is contested or more than one insurer is involved, comprehensive representation can be the difference between a stalled file and a resolved claim. We take over communications, request key records, and investigate the crash thoroughly. In Cold Spring rideshare cases, app status, trip logs, and corporate policies may expand available coverage. Coordinating those materials while pushing back on improper denials takes consistent effort. We collect witness statements, manage recorded statements strategically, and build a cohesive liability narrative. Our goal is to remove stress from your plate, maintain pressure on the right parties, and position your case for a fair outcome.
Significant injuries demand careful documentation, medical coordination, and accurate valuation. When care lasts months, ongoing wage loss and future needs must be accounted for. Rideshare crashes introduce layered coverages and additional reporting requirements that can be hard to manage alone. Full representation lets us organize records, monitor recovery, and ensure your claim captures the complete picture. We consult with your providers, obtain detailed notes, and present a clear story of how the crash changed your daily life. This structure supports meaningful negotiations and keeps the case moving, even as treatment evolves and new information comes to light.
A comprehensive approach means planning from day one through resolution. We identify every applicable policy, track deadlines, and build the evidence file as treatment progresses. You receive regular updates and timely explanations so you can make informed choices. With rideshare claims in Cold Spring, we confirm app status, request relevant logs, and coordinate with multiple carriers when needed. The result is a claim that is carefully organized, fully documented, and ready for negotiation. By anticipating potential challenges, we respond quickly to insurer requests and keep momentum on your side.
This approach also supports realistic outcomes. By aligning medical records, billing, wage documentation, and future care considerations, we present a claim that reflects your actual losses. Insurers respond best to complete, consistent files. When disagreements arise, we already have the materials needed to address them. If settlement conversations stall, a well-prepared case can transition to litigation without starting from scratch. Through every phase, our focus is to reduce uncertainty, protect your time, and help you move forward with confidence after a Cold Spring collision.
Clear medical documentation is the foundation of any injury claim. We work with your providers to obtain detailed notes, imaging, bills, and treatment plans that show the full impact of your injuries. With that information, we design a claim strategy tailored to your needs, timelines, and coverage layers. This coordination helps ensure that no-fault benefits are used effectively, liens are addressed, and your future care is considered. When your records tell a cohesive story, insurers have fewer reasons to delay or undervalue your case. Our structured process keeps everything aligned from start to finish.
Negotiations are most productive when your claim file is complete, consistent, and well supported. We present a clear liability narrative, organized medical evidence, and carefully calculated damages. For Cold Spring rideshare cases, we also address app status and policy limits so adjusters understand the coverage picture. With a thorough package, settlement talks can move forward more efficiently. If a fair resolution is not offered, the groundwork laid during case-building positions you for the next steps. Our goal is to put you in the strongest possible position while keeping communication transparent and respectful.
Right after a Cold Spring collision, photos and notes can make all the difference. Take wide and close shots of damage, road conditions, skid marks, and traffic signals. Photograph injuries as they change over time. Save contact information for witnesses and the other driver, and request the incident number from law enforcement. Keep receipts for medications, rides, and repairs, and maintain a simple journal describing pain levels, sleep issues, and missed activities. These details help your medical providers understand your recovery and support your claim with insurers. The sooner you gather information, the clearer your case becomes.
Insurers will likely call soon after a crash. Before speaking, gather your policy information, police report details, and a brief summary of injuries and treatment. Stick to facts, avoid speculation, and do not downplay pain or symptoms. If you are uncomfortable with a recorded statement, we can manage communications for you. In rideshare cases, we help verify app status and confirm which carrier should respond. Keeping a simple log of calls and letters helps prevent confusion later. With a plan, you can protect your rights, reduce stress, and keep your claim on a steady course.
After a Cold Spring car accident, you need clarity, organization, and timely action. We help you understand coverage, complete forms accurately, and assemble a strong file while you focus on recovery. Passengers and rideshare users face unique questions about which policy applies and how to meet Minnesota thresholds. Our team gathers records, coordinates with providers, and communicates with insurers so you are not left guessing. If liability is disputed or multiple carriers are involved, we lean in and keep the process moving. From first call to resolution, we aim to make the path straightforward and manageable.
Every claim is personal, and your goals matter. Some clients want quick guidance and a light assist, while others prefer full representation from day one. We listen, assess the facts, and tailor a plan that fits your circumstances, timeline, and comfort level. With local knowledge of Stearns County and a focus on Minnesota law, Metro Law Offices offers practical, results-focused help. If you’re unsure where to begin, start with a free, no-pressure consultation. We’ll answer your questions, outline options, and suggest next steps that protect your health and your claim.
Legal guidance can be especially helpful when rideshare policies might apply, when multiple drivers share fault, or when injuries require months of treatment. Passengers often face a maze of forms and competing insurance positions, and early steps can influence the entire claim. Hit-and-run or uninsured incidents demand quick notice to activate UM/UIM coverage. Complex medical histories, prior injuries, or delayed symptoms also require careful documentation. In Cold Spring and throughout Stearns County, we regularly see crashes that involve layered coverages and tight deadlines. A clear plan ensures benefits begin promptly and your long-term recovery is fully considered.
When a rideshare vehicle is involved, coverage depends on the driver’s app status. If the app was off, personal auto coverage usually applies. If the app was on and a trip was accepted or in progress, Uber or Lyft coverage may provide higher limits. Properly documenting the ride request, pickup, and drop-off details helps establish the right policy path. We request trip logs, coordinate with carriers, and confirm how medical bills and wage loss will be handled. In Cold Spring, these cases often involve more than one insurer, so early organization and timely notices are essential to protect your benefits.
Pileups can create conflicting stories and competing claims. Passengers are rarely at fault, but the insurers will still evaluate how the crash unfolded and who bears responsibility. We gather photos, traffic camera footage when available, and witness accounts to build a clear liability picture. No-fault benefits support initial care, while additional claims may follow if thresholds are met. Coordinating medical records and explaining how symptoms developed over time can prevent misunderstandings. In Stearns County, weather and visibility often play a role, so prompt documentation helps clarify key details. Our job is to simplify a complex situation and keep your claim moving.
Hit-and-run and uninsured incidents require quick action to activate UM coverage and preserve evidence. Reporting the crash to law enforcement, documenting damage, and seeking prompt medical evaluation are important first steps. We notify your insurer, confirm available coverages, and gather records that show the full extent of your injuries and losses. If a driver is identified later, we adapt the claim accordingly. In Cold Spring, we also watch for nearby cameras or potential witnesses who might help. Early coordination with your carrier helps prevent delays and protects your ability to recover the benefits your policy promises.
We focus on clear communication and careful case-building. From no-fault applications to settlement negotiations, we keep you informed and involved. Our team understands Minnesota law, Stearns County procedures, and the practical realities of recovering after a crash. We coordinate with medical providers, gather essential records, and develop a cohesive narrative that reflects your experience. You’ll always know what we’re doing and why, and you will help guide the important decisions along the way.
Rideshare crashes often involve more than one insurer, shifting coverage, and technical policy language. We take the time to confirm app status, request necessary logs, and identify available limits. When questions arise about comparative fault, future care, or wage loss, we explain the process in plain language and pursue the documentation needed to back up your claim. Our approach is steady, organized, and responsive to your needs.
Every case is unique, and your goals matter. Some clients want quick support and a light touch, while others prefer full representation. We tailor our services to match your comfort level and the complexity of your claim. If settlement talks stall, we discuss next steps and timelines openly so you can choose how to proceed. With Metro Law Offices, you’re not just a file—you’re our focus.
We start by listening. Your story, injuries, and goals guide everything we do. Next, we map out the claim, identify coverage, and set a plan for documentation and communication. We help you use no-fault benefits effectively, request essential records, and organize evidence. As treatment progresses, we refine the damages picture and prepare for negotiation. If litigation becomes necessary, your case will already be carefully documented. Throughout, we check in, answer questions, and keep your case moving at a steady, thoughtful pace.
During your free consultation, we review the crash details, injuries, and coverage information. We explain Minnesota no-fault benefits, discuss medical care, and outline a simple plan for preserving evidence. For rideshare incidents, we gather trip details and confirm app status to identify applicable policies. You’ll leave with clear next steps, an understanding of timelines, and a plan for insurer communications. If you choose to work with us, we’ll get authorizations signed and start gathering essential records right away.
We begin by listening closely to understand how the crash happened and how it is affecting your life. Then, we help you collect and safeguard important materials, including photos, estimates, medical notes, and wage documentation. If witnesses or nearby cameras may be available, we act quickly to secure information. This foundation supports both no-fault benefits and any potential liability claim. The result is a clear, organized file that reflects your experience and prepares us for the steps ahead.
We explain how no-fault benefits work, what insurers may ask for, and how to handle calls and forms. Together, we outline realistic timelines, discuss treatment updates, and set a communication schedule that works for you. If the case involves rideshare coverage, we clarify how app status affects available limits. With expectations set and responsibilities defined, you can move forward with less stress and fewer surprises, knowing exactly what comes next and why it matters.
We gather records, request the police report, and follow up with witnesses when appropriate. Medical providers supply notes, imaging, and bills that document the full scope of your injuries. We verify available coverage and request necessary disclosures from insurers, including information relevant to rideshare status when applicable. Throughout this phase, we organize the claim file so it tells a clear, consistent story. When your treatment stabilizes, we’ll be ready to present a strong settlement package.
We take over communications with insurers at your request, responding to document requests and pushing for timely processing. Our team tracks what has been sent, what remains outstanding, and what is needed to move forward. We also coordinate with your providers to obtain complete medical records and bills, ensuring the claim reflects your actual experience. If questions arise, we address them directly, keeping you informed without overwhelming you with paperwork.
We evaluate all applicable coverages, including liability, no-fault, medical payments, and UM/UIM. For rideshare cases, we confirm whether commercial limits apply and how they interact with other policies. We then calculate damages, considering medical expenses, wage loss, property damage, and the impact on your daily life. This careful assessment supports strong negotiations and helps set realistic expectations about possible outcomes, timelines, and next steps.
With a well-documented file, we pursue resolution through negotiation. We present a persuasive demand package that clearly outlines liability, injuries, and damages. If a fair offer is not made, we discuss litigation options and timing. Because evidence has been preserved and organized from the start, your case can transition without losing momentum. Our aim is to achieve a result that reflects your experience and supports your recovery, while keeping you informed and comfortable with each decision.
Effective negotiations depend on preparation. We provide insurers with a clear, supported narrative and respond promptly to questions with documentation to back it up. We address disputes respectfully and firmly, keeping the focus on facts. When multiple carriers are involved, we coordinate communications to avoid delays and ensure accountability. Throughout, we seek a resolution that fairly reflects your medical picture, wage losses, property damage, and how the crash changed your day-to-day life.
If a fair settlement cannot be reached, we discuss filing suit, explain the phases of litigation, and map a timeline. We continue gathering and refining evidence, prepare you for key milestones, and maintain communication so you always know what to expect. Litigation can be demanding, but a carefully built case helps streamline the process. Our focus remains on advocating for your interests while minimizing disruption to your recovery and daily routine.
Safety comes first. Get medical attention, even if symptoms seem minor, because pain often appears later. Call law enforcement, exchange information, and take photos of vehicles, the scene, and any visible injuries. Gather witness names and contact details, and request the incident number. Avoid discussing fault at the scene. Notify your insurer promptly and consider calling us before giving any recorded statement. We can help you organize documents and set a plan for benefits and repairs. Keep a simple journal of pain levels, missed work, and activities you can no longer do. Save receipts for medications, transportation, and temporary repairs. If you were a rideshare passenger, capture ride details from your app and contact us to confirm applicable coverage. Early steps build a clear record that supports both no-fault benefits and any additional claims. If questions arise, we offer a free consultation to discuss your options and next steps.
Minnesota’s no-fault system provides Personal Injury Protection that pays certain medical bills and a portion of lost wages without regard to fault. Passengers may access PIP through their own household policy, the driver’s policy, or other coverage depending on circumstances. Promptly filing the application and providing accurate information helps ensure bills go to the right place. PIP offers a vital bridge while liability is investigated and treatment continues. If injuries meet state thresholds, additional claims for pain and suffering and other damages against an at-fault driver may be available. Coordinating PIP with health insurance can help when medical costs rise. We guide passengers through forms, deadlines, and documentation so benefits flow smoothly. If rideshare coverage may apply, we confirm app status and request necessary records. With a clear plan and organized paperwork, you can focus on your recovery while we handle communications.
Responsibility depends on how the crash happened and the rideshare driver’s app status. If the driver was not using the app, personal auto coverage typically applies. If the app was on, coverage through Uber or Lyft may be available, with potentially higher limits when a ride is accepted or underway. We verify app status, request trip logs, and coordinate communications with all involved insurers. If another driver was at fault, that driver’s liability coverage may be primarily responsible, with rideshare policies potentially stepping in depending on circumstances. Because these claims often involve more than one insurer, careful organization is essential. We analyze coverages early, preserve evidence, and present a clear narrative that supports your claim. Our goal is to ensure the right carriers participate and your benefits are not delayed.
You are not required to speak with the other driver’s insurer immediately, and you can choose to have an attorney handle communications. If you do speak, share facts, not opinions, and avoid recorded statements until you understand the implications. We can step in to manage calls, letters, and document requests so you are not pressured to respond on the spot. Your own insurer may require cooperation as part of your policy. Early conversations can shape your claim, so preparation helps. We review the police report, gather medical records, and develop a concise summary before any substantive discussions. When we communicate on your behalf, we keep the focus on verified information and protect your rights. If a recorded statement is requested, we will discuss whether it is appropriate and how to approach it.
Minnesota follows a modified comparative fault system. Your recovery can be reduced by your share of responsibility, and you cannot recover from another party if you are more at fault than they are. Passengers are rarely assigned fault, but insurers still examine seat belt use, statements, and conduct. We gather evidence, clarify timelines, and use records to present the most accurate picture of what happened. Even if some responsibility is assigned, you may still recover damages so long as your share does not exceed the other party’s. The key is careful documentation and a consistent narrative supported by witnesses and records. We explain how comparative fault may affect negotiations and work to minimize any unwarranted fault assessments through thorough investigation and clear advocacy.
There are different deadlines depending on the type of claim, involved coverages, and whether litigation becomes necessary. Missing a deadline can end your case, so we identify applicable dates early and track them carefully. Notice requirements for no-fault and UM/UIM coverage may apply even before any lawsuit is filed. Acting promptly helps protect your benefits and evidence. Because timelines vary, it is important to consult as soon as possible after a Cold Spring crash. We review your situation, confirm policy requirements, and build a plan that preserves your rights. If litigation is needed, we prepare well before any deadline so your case is ready to proceed without delay. A timely approach keeps options open and strengthens your position.
Recoverable damages can include medical expenses, wage loss, and property damage. When injuries meet Minnesota thresholds, you may also pursue non-economic damages for pain and suffering and loss of enjoyment of life. In serious cases, future medical care and diminished earning capacity may be considered. We work with your providers to document how injuries affect your daily activities and responsibilities. Every case is unique, and the value depends on liability, the extent of injuries, treatment duration, and how the crash changed your life. We present a complete, well-documented claim so insurers can evaluate it fairly. By aligning medical records, billing, and wage documentation, we aim to reach a resolution that reflects your experience and supports your recovery.
Yes, you can often use health insurance alongside PIP. In many cases, PIP addresses initial medical costs, and health insurance can step in when PIP limits are reached or when providers bill differently. Coordinating the two can reduce out-of-pocket costs and keep treatment moving smoothly. We also help track co-pays, deductibles, and any liens that may arise. Because each policy has its own rules, we review your coverage and communicate with providers to route bills correctly. For rideshare passengers in Cold Spring, verifying the applicable policy early helps avoid delays. Our aim is to ensure care is uninterrupted and your claim reflects the full scope of your medical needs and expenses.
We offer a free, no-pressure consultation to review your situation and explain your options. If we move forward, most injury cases are handled on a contingency fee, which means you pay no attorney fees unless there is a recovery. We explain the fee arrangement clearly, including how case costs are handled, so you can make an informed decision that fits your needs. Our goal is transparency. We discuss potential outcomes, timelines, and next steps so there are no surprises. You will always have a voice in your case. If you want to learn more, call 651-615-3322 and we’ll answer your questions and outline a plan that matches your circumstances.
Many car accident claims settle without filing a lawsuit, especially when liability is clear and injuries are well documented. We work to present a strong settlement package so negotiations are productive. If a fair offer is not made, we will discuss litigation, including what to expect and how timelines may change. Your preferences matter, and we will respect your decisions. If a case goes to court, our preparation remains the same: clear evidence, organized records, and a consistent story. Litigation can take time, but a well-documented file helps streamline the process. We will keep you informed and ready for each step, while continuing to pursue a result that reflects your injuries and losses.
