How Wisconsin’s Fault-Based Insurance System Works

How does the fault-based insurance system work in Wisconsin? Here’s everything you need to know.


Understanding Fault vs. No-Fault Car Insurance

If you’re injured in a car crash, states typically have a fault-based or no-fault insurance system to seek justice.


Fault-Based Systems

In a fault-based system like Wisconsin, you have several options:


1. File a claim with your insurance company

2. Pursue a claim against the at-fault driver’s insurance

3. Take legal action to seek compensation for your losses

No-Fault System

Your own insurance coverage (Personal Injury Protection) would pay for your medical expenses – regardless of who caused the accident.


The Importance of Personal Injury Protection (PIP)

PIP covers your medical expenses, lost wages, etc. regardless of who caused the auto accident – and you won’t face long waits for medical care of lost wages.


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

In this situation, uninsured motorist coverage can protect you and provide peace of mind.


Is Collision Coverage Required in Wisconsin?

Technically, no. But it’s recommended to cover repairs after an accident, regardless of who is at fault.


Comparative Fault in Wisconsin

If you’re partially at fault for an accident, your compensation may be reduced by your percentage of involvement.


How to Handle an Insurance Claims Process


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

With a personal injury lawyer by your side, you can focus on what truly matters — your recovery.


Read More!

Read the full post to learn more about Wisconsin’s fault-based insurance system.


Have Questions?

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