A sudden crash can turn an ordinary rideshare trip through Albertville into weeks of uncertainty. Whether you were a paying rideshare passenger or a guest in a friend’s car, Minnesota law gives you important protections. Insurance coverage can involve multiple policies, including no-fault benefits and rideshare carrier insurance through companies like Uber or Lyft. Metro Law Offices helps people in and around Albertville understand their rights, coordinate medical care, and pursue fair compensation after an injury. If you’re unsure where to start, we can walk you through coverage, timelines, and next steps in plain language so you can focus on healing while your claim stays on track.
Albertville’s I-94 corridor and busy local roads can create overlapping insurance questions when passengers are hurt. Our team serves Minnesota clients with clear communication and careful attention to the details that shape a claim. From gathering medical records to documenting lost wages, we build a strong record that supports your recovery. If a rideshare driver, another motorist, or even multiple parties contributed to the crash, we identify available coverage and pursue it efficiently. Call 651-615-3322 to connect with Metro Law Offices for a free, no-pressure consultation. We’re ready to help you understand your options and move forward with confidence after a passenger or rideshare collision in Albertville.
Passenger and rideshare claims often involve several insurers, each with different rules about who pays and when. Having guidance ensures important evidence is preserved early, medical treatment is documented properly, and no-fault benefits in Minnesota are opened promptly. A thoughtful strategy can help coordinate PIP benefits, rideshare coverage, and any available uninsured or underinsured motorist benefits so bills are paid and lost income is addressed. It also helps avoid common pitfalls, like recorded statements that minimize injuries or missed deadlines that reduce recovery. With a clear plan and steady communication, you gain peace of mind while your case is positioned for a timely and fair resolution.
Metro Law Offices is a Minnesota personal injury firm dedicated to helping injured passengers and rideshare riders across communities like Albertville. Our approach is straightforward: listen carefully, explain your options, and take action that supports your recovery. We coordinate with healthcare providers, manage insurance communications, and pursue the full value of your claim under Minnesota law. Clients value our responsiveness, practical guidance, and consistent follow-up. We understand the challenges that follow a crash—missed work, mounting bills, and uncertainty about the future—and we work to reduce stress at every step. When you need a steady hand after a rideshare or passenger injury, our firm stands ready to assist.
Passenger and rideshare cases are unique because coverage can change depending on the driver’s status and the vehicles involved. In Minnesota, no-fault (PIP) benefits are typically available to help pay for medical care and certain losses soon after a crash, regardless of who caused it. When rideshare services are involved, higher liability coverage may apply once a ride is accepted and during the trip. Claims can include no-fault benefits, liability claims against at-fault drivers, and potentially uninsured or underinsured motorist coverage. Understanding which benefits apply, and when, helps keep treatment on track and positions your case for a fair outcome.
Many passengers do not realize they may have multiple avenues of recovery. A thorough review often begins with opening no-fault benefits to address medical bills, then evaluating liability facts to determine fault. Rideshare insurance typically varies by phase: app off, app on waiting for a request, and en route or transporting a rider. Each phase can affect available limits and claims handling. Accurate documentation—photos, witness information, trip records, and medical notes—supports your claim and helps avoid disputes later. With clear guidance, you can focus on your health while your claim progresses methodically through the appropriate insurers.
A passenger or rideshare claim arises when you are injured while riding in a vehicle—whether it’s a friend’s car, a taxi, or a rideshare like Uber or Lyft. The claim may involve multiple parties: the driver of your vehicle, another motorist, or both. In rideshare cases, the driver’s app status often determines which policy applies and at what limits. Claims typically include medical bills, wage loss, and, when applicable, pain and suffering. Because Minnesota follows a no-fault system, certain benefits may be available promptly, with additional claims pursued against the at-fault party or through uninsured and underinsured motorist coverage if needed.
A strong passenger or rideshare claim starts with timely medical care and careful documentation. Preserve trip details, driver and vehicle information, photos of the scene, and any communications with the rideshare platform. Submit no-fault applications quickly to activate benefits for medical bills and wage loss where applicable. Work through liability determinations with insurers using police reports, witness statements, and, when needed, accident reconstruction resources. Evaluate all coverage layers—rideshare liability policies, at-fault driver insurance, and potential UM/UIM benefits—to ensure no avenue is missed. Throughout the process, consistent communication and organized records help shorten timelines and reduce avoidable disputes.
Understanding a few common insurance terms can make your claim more manageable. Minnesota no-fault benefits may cover certain medical expenses and wage loss early in a case. Liability coverage applies when another party is legally responsible for your injuries. Uninsured and underinsured motorist coverage can step in when an at-fault driver lacks adequate limits. In rideshare incidents, coverage often depends on whether the driver’s app was off, on but waiting for a request, or engaged in a trip. Knowing these definitions helps you follow the flow of payments, anticipate next steps, and ask the right questions as your case moves forward.
No-fault, also called Personal Injury Protection (PIP), is a Minnesota benefit designed to provide prompt payment for medical care and certain wage loss after a crash, regardless of fault. It helps you start treatment without waiting for liability decisions. No-fault does not prevent you from bringing additional claims against at-fault parties. Instead, it acts as a first layer of support, easing financial pressure while your case develops. Completing the application accurately and providing medical documentation helps keep these benefits flowing smoothly. Coordinating no-fault with other coverage can make a significant difference in overall recovery.
Rideshare insurance often changes by driving period: when the app is off, the driver’s personal policy typically applies; when the app is on and the driver is waiting for a request, there may be contingent coverage; and once a ride is accepted or a passenger is in the vehicle, higher commercial limits usually become available. Understanding these periods can clarify which insurer handles your claim and what limits might apply. Trip logs, in-app screenshots, and communications can help confirm the relevant period. This clarity is essential for timely claim handling and for accessing the full range of benefits available.
Bodily Injury Liability coverage pays damages when a driver is legally responsible for causing injuries to others. In a passenger or rideshare claim, this may be the at-fault driver’s policy or, when applicable, the rideshare company’s coverage depending on the driver’s status. This coverage can address losses such as medical expenses, wage loss, and, in appropriate cases, pain and suffering. Identifying the correct policy and available limits is a key step in building a complete claim. When multiple drivers are involved, liability can be shared, and careful investigation helps allocate responsibility accurately.
UM/UIM coverage is designed to protect you if the at-fault driver has no insurance or insufficient limits. In passenger and rideshare cases, UM/UIM can provide an additional path to recovery when liability coverage is unavailable or inadequate. Policies vary, and stacking or coordination issues may arise depending on household vehicles and the rideshare status. Reviewing your own policy and any applicable rideshare coverage can reveal important options. Filing UM/UIM claims requires documentation similar to liability claims, including medical records and proof of damages, ensuring that all eligible benefits are fully considered.
Some people only need help opening no-fault benefits or answering a few coverage questions, while others benefit from start-to-finish representation. Limited assistance can be cost-effective when injuries are minor and liability is clear. Comprehensive services are often preferred when injuries are more serious, multiple insurers are involved, or there is a risk of disputed fault. A brief consultation can clarify which path fits your situation. The right level of support should reduce stress, keep you informed, and protect your claim’s value. Our goal is to match the service level to your needs, not the other way around.
If your injuries are minor, improve quickly, and the at-fault driver’s insurer accepts responsibility, limited guidance may be all you need. Opening no-fault benefits, confirming medical billing routes, and submitting a concise demand can resolve the matter efficiently. In straightforward fender-bender scenarios involving rideshare vehicles or private cars, a tightly documented file helps avoid unnecessary delays. You still benefit from understanding your rights and the order of coverage, but you may not require a full-scale investigation. The goal is to keep your claim simple, accurate, and timely so you can move on without unnecessary steps.
When one insurer promptly accepts the claim, pays reasonable medical expenses, and recognizes wage loss without dispute, a limited approach may be suitable. In these situations, our role can focus on ensuring correct forms, clean medical documentation, and fair valuation without extensive advocacy. Rideshare cases sometimes fall into this category when coverage period and liability are unmistakable. Even then, we recommend a quick policy review to check for any additional benefits that should be preserved. Limited help keeps costs down while still protecting your interests and ensuring the file reflects the full scope of your recovery.
Crashes with conflicting accounts, limited witnesses, or multiple vehicles often benefit from comprehensive representation. Liability may be shared among drivers, and rideshare status can add an extra layer of complexity. Detailed investigation—gathering video, electronic trip data, and expert analysis when appropriate—can clarify responsibility. Full-service support coordinates medical documentation, evaluates all coverages, and builds a persuasive demand package. When insurers disagree or minimize injuries, a complete approach helps keep the claim moving and preserves your options, including litigation if needed. The objective is to protect your rights while guiding the case toward a fair resolution.
Serious injuries bring extensive treatment, time away from work, and long-term recovery questions. In these cases, documenting prognosis, future medical needs, and vocational impacts is essential. Comprehensive representation helps coordinate providers, track bills and liens, and present a clear picture of your losses. Rideshare policies may carry higher limits, but accessing them requires precise proof and organized records. We also evaluate UM/UIM possibilities if liability coverage falls short. By managing all moving parts—and communicating consistently—you can focus on your health while we pursue the full value of your claim through every available channel.
A comprehensive approach ensures no coverage is overlooked and that evidence is preserved before it fades. It streamlines communication with multiple insurers, coordinates medical documentation, and keeps deadlines front and center. For rideshare claims, confirming app status and trip data early can unlock the appropriate policy limits. When questions arise about fault, damages, or long-term care, a complete strategy provides a clear framework for addressing them. The result is a stronger, more organized case that is easier for insurers to evaluate fairly, which can lead to more efficient negotiations and better outcomes.
Comprehensive support also reduces stress. Instead of juggling forms, calls, and medical records, you can count on a single point of contact to manage the moving pieces. We prioritize frequent updates so you always know what’s next and why it matters. By presenting a cohesive demand with medical summaries, wage documentation, and liability analysis, your case tells a clear story. If settlement discussions stall, your claim is already prepared for the next step. This approach preserves leverage, protects your rights, and gives you confidence that every reasonable avenue has been considered.
Passenger and rideshare claims often include layered coverage: no-fault benefits, liability policies, and UM/UIM. A comprehensive review identifies which benefits apply, in what order, and how they interact. We help open claims promptly, submit clean documentation, and avoid gaps that can lead to unpaid bills. When rideshare policies are triggered, we confirm the applicable period and limits to position your claim correctly. Coordinating these moving parts helps ensure medical treatment continues smoothly and that your final demand includes every category of recoverable loss, from healthcare expenses to wage impacts and beyond.
Clear documentation is the backbone of a strong claim. We compile medical records, billing summaries, and provider statements to present your treatment accurately. When appropriate, we include work verification and wage details to support lost income or reduced hours. This organized record allows for timely, focused negotiations with the insurer, grounded in proof rather than assumptions. If additional information is requested, we respond efficiently to keep the claim moving. A thorough demand package makes it harder for insurers to dispute your losses and increases the likelihood of a fair and timely resolution.
If it’s safe, take photos of vehicle positions, license plates, road conditions, and any visible damage. Capture screenshots from the rideshare app showing trip status, driver details, and timestamps. Ask for the names and contact information of witnesses and all drivers involved. Preserve any in-app messages or receipts, as they can help confirm the rideshare period and route. Keep a simple injury journal noting pain levels, missed work, and daily limitations. These details provide a reliable timeline and help validate your experience, making it easier for insurers to understand the full impact of the crash.
Follow your treatment plan and keep appointments, including physical therapy and follow-ups. Ask providers for clear notes and billing statements; we can help organize them for submission. Consistent care not only supports your recovery, it also demonstrates the legitimacy of your injuries to insurers. Keep pay stubs and employer letters to document missed time and reduced duties. If new symptoms arise, notify your provider and update your file. A well-organized record of treatment, expenses, and wage impacts helps present a complete picture of your damages and supports more efficient settlement discussions.
After a crash, people often feel overwhelmed by medical appointments, insurance calls, and questions about who pays. We help Albertville clients cut through the noise by opening the right claims, coordinating documentation, and explaining coverage step by step. Our approach is designed to reduce stress and keep your case moving. Whether your injuries are short-term or require ongoing care, getting organized early can speed up payments and preserve your rights. We make sure the claim includes all eligible benefits, from no-fault to liability and potential UM/UIM, so nothing important is left on the table.
Rideshare claims can add uncertainty about which insurance policy applies and whether higher limits are available. We clarify app status, retrieve trip records, and communicate with insurers to position your claim correctly. When liability is disputed, we gather evidence and build a clear explanation of what happened. If your injuries impact work or daily life, we document those changes carefully with medical and employment records. By handling the details and keeping you informed, we give you time to focus on recovery while we work toward a fair resolution that reflects the full scope of your losses.
Passenger and rideshare claims often arise from rear-end collisions on I-94, side-impact crashes at busy intersections, or sudden stops in traffic near shopping areas in Albertville. Many cases involve multiple vehicles, with conflicting accounts of speed and lane changes. Others occur when a rideshare driver is waiting for a request, creating questions about which policy applies. Some passengers are injured in a friend’s car when another driver runs a light or fails to yield. In each situation, documenting the scene, opening no-fault benefits, and identifying all insurance layers helps protect your rights and keeps your claim on track.
You’re in an Uber or Lyft and the driver is transporting you when a collision occurs. In many cases, higher commercial limits may apply, but confirming app records is important. We gather trip logs, police reports, and witness statements to establish what happened and which insurer should respond. We also coordinate no-fault benefits so medical bills are addressed promptly. If another driver caused the crash, we pursue that party’s liability coverage. When coverage questions arise, we push for clarity so treatment and wage replacement are not delayed while insurers determine responsibility.
Passengers injured while riding with friends often hesitate to bring a claim, but insurance exists for exactly these situations. Minnesota’s no-fault benefits may assist with medical costs, while the at-fault driver’s liability coverage can address broader damages. We keep the process respectful and focused on insurance—not personal relationships—while ensuring your treatment is covered. Our team explains each step, helps organize records, and presents your claim clearly. If the crash involves multiple vehicles or disputed fault, we work to allocate responsibility appropriately so that your recovery does not depend on informal arrangements or assumptions.
Some crashes occur while a rideshare driver is logged into the app but has not yet accepted a ride. Coverage can be different in this period than during an active trip. We confirm the driver’s status, evaluate all available policies, and position your claim accordingly. Promptly opening no-fault benefits and securing medical documentation remains a priority. If the other driver is at fault, we pursue that liability coverage as well. By clarifying coverage early and coordinating communication among insurers, we help avoid unnecessary delays and ensure that your medical treatment and wage issues are addressed promptly.
We focus on clear communication, careful documentation, and results that reflect your full losses under Minnesota law. From day one, we take time to understand your injuries, your work situation, and your goals. We handle insurer calls, forms, and deadlines so you can focus on your health. When rideshare coverage complicates the picture, we confirm the driver’s status and pursue the appropriate policy. You’ll know what we’re doing and how it protects your claim. Our process is designed to minimize stress, keep the file organized, and move your case toward a fair resolution.
Albertville passengers and riders appreciate our practical, step-by-step approach. We gather the records needed to support your claim, including medical notes, billing statements, and wage documentation. We then present a cohesive demand package that tells the story of your injuries and recovery. If insurers push back, we respond with proof and continue to advocate firmly. When appropriate, we discuss mediation or, if necessary, litigation to protect your rights. Throughout, you receive regular updates and realistic timelines so you can plan your life with fewer surprises and more confidence.
Our goal is to make a complex process feel manageable. We’re accessible, responsive, and committed to personalized service. Every case is different, so we tailor our strategy to the facts, injuries, and coverage available. Whether your claim is straightforward or involves multiple insurers, we will work diligently to move it forward. When questions arise, we explain options in plain language and help you decide the next step that best serves your interests. If you’re unsure where to begin after a rideshare or passenger injury, we’re ready to help you start with clarity and momentum.
Our process emphasizes speed, organization, and clarity. We begin with a detailed intake to understand your injuries, employment, and coverage. We open appropriate claims, request key records, and confirm rideshare status where relevant. As treatment progresses, we monitor medical updates and keep insurers informed to avoid gaps. When your condition stabilizes or your providers can offer a reasonable outlook, we prepare a thorough demand package. We then negotiate in good faith with a focus on evidence and fairness. If discussions stall, we talk through litigation options and next steps, always aligning strategy with your goals.
We start with a conversation about how the crash happened, your injuries, and your immediate needs. We gather trip details, photos, and witness information, and we help you open no-fault benefits to address medical bills and wage loss where applicable. We also identify all potential insurers, including rideshare carriers, personal auto policies, and UM/UIM coverage. Early confirmation of coverage helps prevent delays and ensures your treatment can continue without interruption. During this stage, we focus on clear communication and a practical plan to guide your claim forward efficiently.
We collect key documents and details: police reports, photos, medical notes, pay information, and any app screenshots that confirm rideshare status. If additional evidence is needed—such as video or supplemental witness statements—we request it promptly. Organizing these materials early helps shape a clear narrative and prevents future disputes about the facts. We also outline the timeline for your case, explain the role of medical documentation, and discuss how wage loss is established. With a solid foundation, we can move efficiently to the next phase while keeping you informed every step of the way.
We assist with the no-fault application and notify relevant insurers to secure claim numbers and adjuster contacts. This allows medical providers to bill correctly and helps you avoid unpaid balances. We coordinate the exchange of basic information while protecting your interests, and we guide you on communications with adjusters. When rideshare coverage may apply, we confirm driver status and request trip records to identify the correct policy and limits. With claims open and coverage identified, your care can proceed while we continue building the liability and damages portions of your case.
During investigation, we verify facts with reports, witness accounts, photos, and electronic records. We communicate with providers to gather medical notes, imaging, and bills so your injuries are accurately reflected. If wage loss is part of your claim, we coordinate with your employer to obtain the necessary documentation. This stage lays the groundwork for a thorough demand package, connecting the dots between the crash and your damages. We also evaluate all insurance layers—liability, UM/UIM, and rideshare policies—to ensure a complete recovery strategy before negotiations begin.
We analyze how the crash occurred, the role of each driver, and any road or weather factors. When appropriate, we obtain additional records to clarify disputed points. We then map available coverage, including rideshare periods, personal auto insurance, and UM/UIM. This roadmap ensures we pursue the right insurers and meet necessary notice requirements. By aligning the facts with the applicable policies, we reduce confusion and position your claim for a focused negotiation. Throughout, we keep you updated on findings and explain how they affect your case.
Accurate medical documentation is central to your claim. We request records and billing from all providers, create summaries that highlight key findings, and track liens to avoid surprises at settlement. If you miss work or face reduced hours, we collect employer statements and pay data to substantiate those losses. This organized file shows how the crash affected your health and finances. With clear documentation in place, insurers have fewer reasons to delay or dispute your claim, which helps move negotiations forward.
Once your medical picture is stable or well-documented, we present a detailed demand supported by evidence. We negotiate with an emphasis on fairness and full valuation of your losses. If insurers undervalue the claim or disputes persist, we discuss litigation options and timing so you can make informed decisions. Should a lawsuit be filed, we continue to gather proof, prepare witnesses, and keep you informed about court milestones. Our goal is to pursue the best available outcome while respecting your priorities and minimizing disruptions to your life.
We compile a demand that includes a clear liability summary, medical records, billing totals, wage documentation, and, where appropriate, statements about daily-life impacts. We emphasize documentation over rhetoric, which helps insurers evaluate your claim efficiently. Our negotiation approach is steady and evidence-driven, addressing each insurer’s concerns while protecting your interests. If additional materials are requested, we respond promptly to keep discussions productive. Throughout, we provide candid updates and recommendations so you can decide when to accept, counter, or consider filing suit.
If settlement discussions reach an impasse, filing a lawsuit may be the next step. We prepare pleadings, continue discovery, and work with your providers to present clear medical testimony. We also evaluate mediation or other resolution methods that can lead to a fair outcome without a trial. Court timelines can be demanding, so we maintain consistent communication to ensure you understand each phase. Even in litigation, many cases resolve through informed negotiation. Our focus remains on presenting strong evidence, meeting deadlines, and advocating firmly for a result that reflects your full losses.
Start by ensuring safety and calling 911 if needed. Seek medical attention, even if symptoms seem minor, because pain often develops in the hours or days after a crash. Take photos of vehicles, road conditions, and visible injuries. If it was a rideshare trip, screenshot the app showing driver info, trip status, and timestamps. Collect contact details for drivers and witnesses, and request the incident number from law enforcement. As soon as you can, note what you remember, including location, weather, and traffic conditions. Open no-fault benefits promptly to help with medical bills and wage loss where applicable. Avoid discussing fault at the scene and keep communications with insurers factual and brief until you understand your coverage. If an adjuster calls with questions, you can request time to review before responding. Our team can help you open claims, organize records, and handle insurer communications so you can focus on recovery while the claim proceeds in an orderly way.
In Minnesota, no-fault (PIP) benefits are designed to pay medical bills and certain wage losses early, regardless of who caused the crash. These benefits can begin while liability is still being determined. If another party is responsible, a separate liability claim may later address additional damages that go beyond what no-fault covers. Coordinating these payments helps keep treatment on track and prevents unnecessary billing issues. If the crash involved a rideshare, coverage can vary based on the driver’s app status. We confirm which policy applies and ensure providers have the correct billing information. When applicable, we also evaluate uninsured or underinsured motorist coverage as an additional safety net. Our goal is to set up benefits quickly, document your care thoroughly, and build a comprehensive claim that reflects the full scope of your losses under Minnesota law.
Rideshare insurance generally depends on the driver’s status. If the app was off, the driver’s personal auto policy usually applies. If the app was on and the driver was waiting for a request, contingent coverage may be available. Once a ride is accepted or a passenger is in the car, higher commercial limits often apply. Trip logs, screenshots, and company records are used to confirm the correct period and policy. Your claim may include no-fault benefits, liability coverage from the at-fault driver, and potentially UM/UIM benefits. We gather the documents needed to establish each coverage layer and submit a clear demand when your medical picture is sufficiently developed. By confirming app status early and coordinating communications among insurers, we position your claim for timely evaluation and fair resolution.
Yes. Insurance exists to address exactly these situations, and bringing a claim is not a personal attack on a friend or family member. If your driver caused the crash, their liability coverage may apply in addition to Minnesota no-fault benefits. If another vehicle shares fault, we evaluate those policies as well. The goal is to make sure your medical bills, wage loss, and other damages are addressed through the appropriate insurers. We keep the process respectful and focused on the facts. We’ll help open no-fault, coordinate medical documentation, and communicate with insurers to avoid delays. If injuries are significant, we also consider UM/UIM coverage in case liability limits are insufficient. Our role is to organize the claim and pursue fair compensation while maintaining consideration for your relationships.
If the rideshare driver wasn’t logged into the app, the company’s commercial coverage may not apply. In that case, the driver’s personal auto policy is typically primary. Your no-fault benefits may still assist with medical expenses and wage loss. If another driver is at fault, we pursue that liability coverage as well. Confirming the driver’s app status helps us identify the correct insurer quickly. We collect trip details, screenshots, and statements to clarify the coverage period. Then we coordinate benefits so providers bill the appropriate insurance. If liability is disputed or multiple parties are involved, we gather the evidence necessary to allocate fault accurately. Our approach helps keep your care moving while the insurers sort out responsibility, reducing the risk of unpaid balances and delays.
You are not required to give a recorded statement to the other driver’s insurer, and doing so too early can create problems if symptoms evolve or details are unclear. It’s reasonable to ask for time to review your records and speak with a lawyer before making any recorded statements. With your own insurer, policy terms may require cooperation, but we can guide you on how to provide information accurately and appropriately. Our team helps manage communications so your words are not taken out of context. We focus on providing clear, documented facts rather than speculation. If an adjuster requests additional information, we gather what’s necessary and respond in writing when possible. This measured approach protects your claim and reduces the chance of misunderstandings that can delay or diminish your recovery.
Timelines vary based on medical recovery, evidence needs, and insurer responsiveness. Simple cases with minor injuries and clear fault may resolve in a few months once treatment concludes. More complex claims—especially those involving multiple insurers, disputed liability, or significant injuries—can take longer. We aim to pace the claim with your recovery so that settlement reflects your actual condition, not an early snapshot that overlooks ongoing care. Our process emphasizes steady progress and regular updates. We open claims promptly, collect records throughout treatment, and begin negotiations when the medical picture is stable or well-understood. If discussions stall, we talk through litigation options and strategy. While we can’t guarantee a timeline, a well-documented, organized file typically moves faster and puts you in a stronger position during negotiations.
Recoverable damages may include medical bills, future medical needs supported by provider opinions, wage loss, and reductions in earning capacity when documented. In appropriate cases, claims may also include pain and suffering and other non-economic harms recognized under Minnesota law. The exact categories depend on your injuries, prognosis, and how the crash has affected your daily life and work. We build your claim with evidence: medical records, billing, employer statements, and supporting reports where needed. By presenting a clear and complete picture, we help insurers evaluate your losses fairly. If liability coverage is limited, we review UM/UIM options and other potential avenues. Our goal is to pursue the full value available within the insurance framework that applies to your case.
Minnesota uses a comparative fault system, which means responsibility can be shared. Not wearing a seat belt does not prevent you from bringing a claim, but insurers may argue it affected your injuries. The focus remains on the driver’s conduct and crash dynamics, supported by medical evidence and accident details. Each case is fact-specific, and we work to present a fair, evidence-based view of what caused your injuries. We collect medical records and, when needed, provider statements that discuss injury mechanisms independent of seat belt use. We also analyze the crash to establish fault where it belongs. By grounding the claim in documentation and clear reasoning, we aim to minimize unfair blame-shifting and keep attention on the primary causes of the collision and resulting harm.
We offer free initial consultations to explain your options and evaluate your claim. For most passenger and rideshare cases, we work on a contingency fee, meaning our fee is a percentage of the recovery and is paid at the end of the case from the settlement or judgment. You don’t pay an attorney fee upfront. We explain the fee agreement clearly so you understand how costs are handled, including records or filing expenses when applicable. Our goal is transparency from day one. We discuss strategy, expected timelines, and how fees work in practical terms. You decide how to proceed after you’ve had a chance to ask questions and review the information. If you’re ready to talk about your specific situation, call 651-615-3322. We’ll walk through your options and help you choose the approach that best fits your needs.
