Understanding Uninsured Motorist Coverage in Milwaukee: What Happens When the At-Fault Driver Has No Insurance?

Car accidents are stressful, but the situation becomes even more challenging when the at-fault driver has no insurance. In these cases, uninsured motorist coverage can be a lifeline for recovering damages. Understanding how uninsured motorist coverage works under Wisconsin law is essential to ensure you can seek compensation for your injuries, medical bills, and lost wages.

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What Is Uninsured Motorist Coverage?

Uninsured motorist coverage is a type of auto insurance that protects you if you’re involved in an accident with a driver who doesn’t carry insurance. It provides compensation for:

• Medical bills resulting from the accident.
• Lost wages due to time missed from work.
• Pain and suffering caused by injuries.

In Wisconsin, auto insurance policies are required to include uninsured motorist coverage with minimum limits. This ensures drivers have protection even if the at-fault driver fails to carry insurance.

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How Uninsured Motorist Coverage Works

If you’re hit by an uninsured driver, your own uninsured motorist coverage will step in to cover damages the at-fault party would have been responsible for. This type of coverage is especially important in scenarios like:

• Accidents involving a hit-and-run driver.
• Collisions where the other driver is found to have no liability coverage.

When filing an uninsured motorist claim, your insurance company essentially takes the place of the at-fault driver’s insurer, providing compensation up to the policy limits.

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What About Underinsured Motorist Coverage?

Underinsured motorist coverage comes into play when the at-fault driver carries insurance but not enough to fully cover your damages. For example:

• If the at-fault driver’s insurance has a $25,000 bodily injury limit but your medical expenses exceed $50,000, your underinsured motorist coverage can cover the remaining costs.

Both uninsured and underinsured motorist coverage are vital components of Wisconsin auto insurance policies.

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Steps to Take After an Accident With an Uninsured Driver

1. Contact the Police

Always file a police report after an accident, especially if the other driver is uninsured. The report serves as critical evidence during the claims process.

2. Gather Evidence at the Accident Scene

Take photos of the accident, injuries, and damage to your vehicle. Collect contact information from any witnesses. This evidence will be useful when working with your insurance company.

3. Notify Your Insurance Company

Inform your insurer of the accident as soon as possible. Be honest and provide the details of the accident, including that the at-fault driver did not carry insurance.

4. Seek Medical Care

Prompt medical treatment is essential for documenting injuries and ensuring a strong claim for compensation. Retain all medical bills and records related to your injuries.

5. Consult an Experienced Personal Injury Attorney

Navigating uninsured motorist claims can be complex. An attorney experienced in Wisconsin uninsured motorist laws can help ensure you receive fair compensation.

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How Does Wisconsin Law Address Uninsured Drivers?

Wisconsin law mandates that all drivers carry insurance with the following minimum coverage limits:

• $25,000 for bodily injury per person.
• $50,000 for bodily injury per accident.
• $10,000 for property damage.

Despite this requirement, many drivers fail to carry insurance, leaving responsible drivers vulnerable. This is where uninsured motorist coverage becomes critical.

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Hit-and-Run Accidents and Uninsured Motorist Coverage

If you’re involved in a hit-and-run accident, uninsured motorist coverage can also apply. Since the driver involved cannot be identified, the incident is treated as though the at-fault party was uninsured. Your insurance company will handle the claim, but you’ll need to provide evidence that the hit-and-run occurred.

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Learn more about uninsured motorist coverage in Milwaukee. Call the Law Offices of Gary S. Greenberg at (414) 271-7007 to schedule your free consultation. You can also reach us anytime through our contact page. Let us help you take the first step toward justice and recovery.

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FAQ

What does uninsured motorist coverage typically cover?

Uninsured motorist coverage compensates for medical expenses, lost wages, pain and suffering, and other damages caused by an uninsured driver.

Does uninsured motorist coverage apply to hit-and-run accidents?

Yes, uninsured motorist coverage typically applies in hit-and-run accidents, as the at-fault driver’s identity and insurance status cannot be determined.

How do I file an uninsured motorist claim?

To file a claim, notify your insurance company, provide details of the accident, and submit any supporting evidence, including medical records and a police report.

What if the at-fault driver has some insurance but not enough?

In this case, underinsured motorist coverage can bridge the gap between the at-fault driver’s policy limits and the total cost of your damages.

Should I hire an attorney for an uninsured motorist claim?

Yes, an attorney can help ensure your insurance company handles your claim fairly and that you receive the compensation you deserve under Wisconsin law.