Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Understanding Wisconsin’s No-Fault Insurance System

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Did you know that Wisconsin operates under a fault-based insurance system? In this story, we’ll break down what that means for you and how you can protect yourself after a car accident.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Is Wisconsin an At-Fault State?

Wisconsin is not a no-fault state. In a fault-based system, the driver at fault is responsible for paying damages, including medical expenses, lost wages, and more.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

In no-fault states, your own insurance coverage would pay for your medical expenses.

Fault vs. No-Fault Insurance

In a fault-based system, you can:

File a claim with your insurance. Pursue the at-fault driver's insurance. Take legal action for compensation.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

The Role of PIP Coverage

While Wisconsin isn’t a no-fault state, having Personal Injury Protection (PIP) is highly recommended. It covers medical expenses and lost wages regardless of who’s at fault.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

What Does the Law Require?

Wisconsin requires drivers to have liability insurance with minimum coverage. Uninsured motorist coverage is crucial if the at-fault driver has no insurance.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Collision Coverage: Is It Required?

Collision coverage isn’t mandatory in Wisconsin but is strongly advised. It covers repairs regardless of fault and is often required for financed vehicles.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Understanding Comparative Fault

Wisconsin uses a comparative fault system. Your compensation can be reduced based on your percentage of fault but you can recover damages if you’re less than 50% at fault.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Filing an Insurance Claim

Filing an insurance claim can be complex. Here’s what you should do:

Get the police report. Notify your insurance company. Gather necessary documentation: photos, witness info, and medical records.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Seeking Legal Help

When to Consult a Lawyer Consider hiring a personal injury lawyer if you face significant injuries or complexities in your claim. Legal expertise ensures fair compensation and smooth processing.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Want to Know More?

Want to dive deeper into Wisconsin’s insurance system? Click "Read More" to access the full blog and get all the details you need.

Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim

Thank You!

For personalized legal advice and assistance with your car accident claim, contact Mahony Law today.