How Wisconsin’s Fault-Based Insurance System Works

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Understanding Fault vs. No-Fault Car Insurance

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Fault-Based Systems

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No-Fault System

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The Importance of Personal Injury Protection (PIP)

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What Happens if the At-Fault Party Has No Insurance?

[{"selector":"#anim-b86a316d-6dac-4287-b519-f75ff36e8768","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2cf3fa08-0384-4831-a1c2-25ef86f22491","keyframes":{"opacity":[0,1]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d4be09a4-5f85-47ba-858e-48ddc38612b6","keyframes":{"transform":["translate3d(-118.84615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ddc3aba4-1a82-40e5-814f-3ab59f1ef85a","keyframes":{"opacity":[0,1]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ccd82ab1-e9e4-495d-b61c-c0266f840be2","keyframes":{"transform":["translate3d(-1733.33255%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ccdf09e-37e9-466b-b58b-1298a5ded39d","keyframes":{"opacity":[0,1]},"delay":100,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-af2d0a3b-86b3-4885-ac17-65abffa3fb10","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7eb9a1ee-6454-4e93-aba2-dbfdee25fd56","keyframes":{"opacity":[0,1]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5db367ce-5eea-43e4-aa23-5af10448b562","keyframes":{"transform":["translate3d(-115.40984%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2d0ac011-212b-4369-9873-07e024bc1c1b","keyframes":{"opacity":[0,1]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-945d3c36-a822-4ea8-9605-da0605d62948","keyframes":{"transform":["translate3d(-122.8669%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cf60d827-7832-4c4b-8a91-2217ff953587","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc7e6fcf-805c-4e31-b596-3797c2ad9548","keyframes":{"transform":["translate3d(-114.87342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-362ab83e-f315-4338-b03b-b424a0f85269","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] In this situation, uninsured motorist coverage can protect you and provide peace of mind. 06

Is Collision Coverage Required in Wisconsin?

[{"selector":"#anim-3352ba2b-e50f-4611-9d9f-d5be432854d9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-85d606f2-5774-4bf5-8c1e-06a2646e0ed3","keyframes":{"opacity":[0,1]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f4ab8bc3-5d3b-48c9-b1df-9ee20cdc9090","keyframes":{"transform":["translate3d(-118.84615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f046e492-da25-412e-9b8e-f6dbcb4aee0b","keyframes":{"opacity":[0,1]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e063a839-884a-42bc-bd4b-02ebb9f4c066","keyframes":{"transform":["translate3d(-1733.33255%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a34701d-9fee-4c2f-8f29-1afebd6a4d2e","keyframes":{"opacity":[0,1]},"delay":100,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ae8a007c-43f1-497b-8ae6-006198db0668","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-83eaaf32-df42-4cc0-9477-7934edfa0911","keyframes":{"opacity":[0,1]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-818118ab-c829-4f90-b93d-61e16f8dc793","keyframes":{"transform":["translate3d(-115.40984%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c28b1b0-4eb6-4d29-b1fc-2a14bace544e","keyframes":{"opacity":[0,1]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-05003890-7393-424a-8e05-6b593a940e68","keyframes":{"transform":["translate3d(-122.8669%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-252ee54e-3d95-409b-8552-7dda067b0c7c","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f533532-0d30-4b39-bb7b-ffd963ac22d9","keyframes":{"transform":["translate3d(-114.87342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-368c50a3-ace7-4245-b81a-2f865fdacd22","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Technically, no. But it’s recommended to cover repairs after an accident, regardless of who is at fault. 07

Comparative Fault in Wisconsin

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How to Handle an Insurance Claims Process

[{"selector":"#anim-987bc2e1-f304-480a-aa37-b862b666f631","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a8cfbe0-fbe1-4b4f-9b68-2cac388e6cf5","keyframes":{"opacity":[0,1]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e933a8c2-7aee-482f-a483-0b6d7c0be5c7","keyframes":{"transform":["translate3d(-118.84615%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ff2562f-e931-46f7-a0b1-25a83fe6056b","keyframes":{"opacity":[0,1]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0b45c5e9-3347-4c87-9ea7-0976030ab4db","keyframes":{"transform":["translate3d(-1733.33255%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1200,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34e20e04-08a0-45ca-88a6-17493fd4f4c0","keyframes":{"opacity":[0,1]},"delay":100,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-553c98ee-e2d4-4be8-af39-a329d0852e45","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a9d55bc-ad56-4d2f-9533-b58015cac195","keyframes":{"opacity":[0,1]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7436414e-bddb-4df3-a1f6-871feebda9a9","keyframes":{"transform":["translate3d(-115.73771%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf7407d7-079b-4992-85e8-898109b9c32e","keyframes":{"opacity":[0,1]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-422e7e90-0ad7-40d0-84be-d8e9f534a31f","keyframes":{"transform":["translate3d(-123.20819%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":120,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9d1400b1-db2d-47c3-ad3e-23df91935f5b","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e287096-d3d8-4154-b91e-87a9e7a5ec69","keyframes":{"transform":["translate3d(-115.00001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c0b6443b-5495-4867-8ab4-527cf1293a8f","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-696b03ae-6441-4cec-8aa8-43fc6ee5e11c","keyframes":{"transform":["translate3d(-115.00001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-108933d2-3156-4b2c-9a53-45e0e975b3c2","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fcc00af8-573d-4ec9-8bf9-0e43c0a21183","keyframes":{"transform":["translate3d(-115.00001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-099ca5fb-a639-444b-80b0-0bf65e635a15","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a81b7d3-4a2f-417e-a2dc-35e6cb2f92f9","keyframes":{"transform":["translate3d(-115.00001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c338e6c9-8941-4755-b910-1d948524754e","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f94476b7-29c6-4eaa-8242-86096a716ad1","keyframes":{"transform":["translate3d(-115.00001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bdb02a6d-c051-46a2-93d7-b6a101e73e64","keyframes":{"opacity":[0,1]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8dab987d-e68f-4530-a616-3f3577c4dc65","keyframes":{"transform":["translate3d(-115.00001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":150,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d2618be1-0674-4b84-9422-056e6034e8cf","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] 09 1. Get the Police Report 2. Notify Your Insurance Company 3. Gather and Provide Documentation 4. Review Your Insurance Policy 5. Follow Up Regularly 6. Consult a Personal Injury Lawyer

The Role of a Personal Injury Lawyer

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Have Questions?

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