Kevin was a passenger in a rideshare. Two cars, two policies, one settlement.

I was on my way to the airport. I was in the back seat looking at my phone. The next thing I knew there was glass everywhere.

I had a concussion and a sprained wrist. Nothing dramatic, but enough that I missed my trip and then missed two weeks of work.

I almost didn't call anyone. I figured passengers don't really have a claim. Turns out we have one of the strongest claims, because we're not the ones being blamed.

Forty-two thousand dollars later, I'd say making the call was worth twenty minutes of my time.