What To Do If You’re Hit By An Uninsured Or Underinsured Driver In Wisconsin

Being involved in a car accident is stressful enough, but discovering that the other driver doesn’t have insurance — or doesn’t have enough coverage — can be overwhelming. In Wisconsin, drivers are required to carry liability insurance, but not everyone follows the law. Fortunately, uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage can protect you in these situations. If you’ve been involved in a car accident with an uninsured driver, Bosshard Parke understands the complexities of car accident claims and are here to help you navigate the legal process to pursue the compensation you deserve.

Understanding Uninsured And Underinsured Motorist Coverage

Uninsured Motorist (UM) Coverage:

UM coverage protects you if the at-fault driver has no insurance. It covers medical expenses, lost wages, and other damages that would typically be covered by the responsible driver’s liability insurance.

Underinsured Motorist (UIM) Coverage:

UIM coverage applies when the at-fault driver has insurance, but their policy limits are too low to cover your expenses. In this case, your own UIM coverage can help bridge the gap.

In Wisconsin, UM and UIM coverage is mandatory for all drivers, with minimum coverage limits of:

• $25,000 per person for uninsured motorist coverage
• $50,000 per accident for uninsured motorist coverage

However, many drivers choose to carry higher limits for better protection.

Steps To Take After An Accident With An Uninsured Or Underinsured Driver

If you’re in an accident with an uninsured or underinsured driver, follow these steps to protect your rights and strengthen your case:

1. File A Police Report
   A police report provides an official record of the accident, which is essential for filing an insurance claim. Be sure to provide accurate information to the responding officer.
2. Seek Medical Attention
   Your health and safety are the top priorities. Even if you don’t feel injured right away, symptoms can appear later. Get checked by a medical professional and keep all medical records.
3. Gather Evidence
   Take photos of the accident scene, vehicle damage, license plates, and any visible injuries. Collect contact information from witnesses and exchange information with the other driver. If the driver is uninsured, be sure to note this in your report.
4. Notify Your Insurance Company
   Report the accident to your insurance provider as soon as possible. Inform them that the other driver may be uninsured or underinsured. Your UM or UIM coverage may apply, and your insurer will begin its own investigation.
5. Contact A Personal Injury Lawyer
   Dealing with insurance companies can be difficult, especially when you’re recovering from an accident. At Bosshard Parke, our experienced attorneys can handle the legal complexities of your case and advocate for your best interests.

How Bosshard Parke Can Help

When you’re facing medical bills, lost wages, and other damages, having a trusted legal team by your side is essential. Here’s how Bosshard Parke can help::

1. Evaluating Your Case
   We will carefully assess your accident, medical records, and insurance policies to determine your best legal options. Our goal is to maximize your compensation, whether through a settlement or a court judgment.
2. Negotiating with Insurance Companies
   Insurance companies may try to minimize or deny your claim, especially when dealing with uninsured or underinsured motorists. Our attorneys are skilled negotiators who will fight for fair compensation on your behalf.
3. Filing A Lawsuit If Necessary
   If your insurance company fails to offer a reasonable settlement, we’re prepared to take your case to court. We will build a strong case using evidence from the accident, medical records, and expert testimony.
4. Exploring Additional Avenues For Compensation
   In some cases, there may be additional sources of compensation. For example, if the uninsured driver was working at the time of the accident, their employer may be liable. We’ll explore all possible options to ensure you receive the compensation you deserve.

Why Legal Representation Matters

Handling a car accident claim involving uninsured or underinsured drivers can be challenging. Insurance companies often try to limit payouts, even if you have UM or UIM coverage. Without legal representation, you may receive a settlement that doesn’t cover your full expenses.

At Bosshard Parke, we have the knowledge and experience to handle even the most complex car accident claims. We’ll stand up to insurance companies, investigate the circumstances of your accident, and ensure your voice is heard.

Contact Bosshard Parke Today

Time is critical after a car accident. In Wisconsin, the statute of limitations for filing a personal injury claim is typically three years from the date of the accident. Waiting too long could result in losing your right to pursue compensation.

If you’ve been hit by an uninsured or underinsured driver, you don’t have to face this challenge alone. Contact Bosshard Parke today to schedule a consultation. Our dedicated attorneys in La Crosse and Sparta are ready to help you navigate the legal process and get the compensation you deserve.

Disclaimer: This blog post is for informational purposes only and does not constitute legal advice. For specific legal guidance, please consult an attorney at Bosshard Parke.