Car accidents are stressful, but the situation can become even more complicated when the at-fault driver is uninsured. In Wisconsin, all drivers are required to carry auto insurance, but not everyone follows the law. If you’re injured in an accident caused by an uninsured driver, you still have options for recovering damages. Understanding your rights under Wisconsin law is essential for protecting yourself financially.
Wisconsin’s Insurance Requirements
Under Wisconsin Statutes § 344.62, all drivers must carry minimum liability insurance coverage of:
- $25,000 for injury or death of one person,
- $50,000 for injury or death of more than one person,
- $10,000 for property damage.
However, not all drivers comply with this law, which is why Wisconsin also requires uninsured motorist (UM) coverage.
Uninsured Motorist Coverage (UM) in Wisconsin
Wisconsin law (Wis. Stat. § 632.32) mandates that all auto insurance policies include uninsured motorist (UM) coverage with at least the following limits:
- $25,000 per person
- $50,000 per accident
This coverage is insurance you purchase through your own policy. It is designed to protect you if you’re injured in an accident caused by an uninsured driver.
It is always a good idea to purchase more than the minimum coverage, because it is relatively inexpensive and it covers your medical bills, pain and suffering, and wage losses in the event the driver that hit you failed to carry insurance.
Steps to Take After an Accident with an Uninsured Driver
If you’re involved in an accident caused by an uninsured driver, follow these steps to protect your rights and ensure you receive the compensation you deserve:
1. Call the Police
Always report the accident to law enforcement, regardless of the severity of the accident. A police report will document the uninsured status of the at-fault driver, which can be crucial when filing a claim with your insurance company.
2. Seek Medical Attention
Your health and safety should be your top priority. Even if you feel fine initially, some injuries may not be apparent right away. Get checked by a medical professional and keep records of all medical visits and treatments.
3. Gather Evidence
If possible, collect evidence at the scene, including:
- Photos of vehicle damage, license plates, and road conditions
- Contact information of the at-fault driver and any witnesses
- A copy of the police report
4. Call An Experienced Personal Injury Attorney.
Consulting with a personal injury attorney can help you explore all avenues to recovery, and maximize your compensation.
Conclusion
Being injured in an accident caused by an uninsured driver is frustrating, but Wisconsin law provides options for recovering compensation. By following the right steps, utilizing your UM coverage, and seeking legal advice, you can protect yourself and receive the compensation you deserve. If you have been in an accident with an uninsured driver, consider consulting a lawyer to explore your best course of action.
For more information, you can review Wis. Stat. § 344.62 and Wis. Stat. § 632.32 on Wisconsin’s legislative website or speak with a legal professional.
If you’ve been injured in an accident, contact Doar, Drill & Skow today for a no obligation consultation.