All Wisconsin drivers must have proof of auto insurance policy coverage in case they are in an accident while driving or are pulled over for a traffic violation. If you are involved in a car accident, and another driver is at fault, his or her auto insurance should typically pay for any repairs to your car or any medical bills due to injuries suffered in the crash. However, sometimes the at-fault motorist does not have any insurance coverage, which means you would have to pay for those expenses yourself. This could be very costly, depending on the severity of the accident. Fortunately, your own insurance policy may provide you with coverage in these cases, but before accepting a settlement from an insurance policy, you should consult with an attorney.
Auto Insurance Coverage
It is important, before settling, to explore all potential sources of insurance. While a driver may have minimal or no liability insurance coverage, it the driver was operating a vehicle owned and insured by another person, as long as the driver was operating with the appropriate permission, the vehicle owner’s insurance company would cover the driver. If the driver was on the job, his or her employer and the employer’s insurance company would be responsible for the damages caused by the driver. If the driver was working in partnership with others, other members of the partnership, and their respective insurance companies, may also be liable. If, after exploring all possible options, there is no insurance, or the insurance is insufficient to cover all of the injured party’s damages, an injured party can look to his or her own insurance company for uninsured or underinsured motorist coverage.
Uninsured motorist coverage under your own insurance policy provides you with protection if you are in an accident with a driver who does not carry auto insurance. Underinsured motorist coverage applies when you are in an accident with a driver whose liability insurance coverage will not fully cover your medical expenses or damage to your vehicle....