Wisconsin Auto Insurance Laws: 6 Key Things to Know Before Filing a Claim
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
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.
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
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
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 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
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 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
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 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
For personalized legal advice and assistance with your car accident claim, contact Mahony Law today.