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How Should I Proceed After a Car Accident With an Uninsured Motorist?

Posted on in Car Accidents

Appleton car accident attorney uninsured underinsured motoristAlthough the majority of motorists carry automobile insurance, an estimated one in seven drivers elect to operate their vehicles without the required coverage. Being involved in a car accident can already be physically and emotionally draining, and adding an uninsured motorist into the equation can only make the ordeal more complicated. If you or a loved one have been involved in an auto accident with an uninsured motorist, an experienced personal injury attorney can help you determine your options for receiving financial compensation.

Follow the Law

According to the Wisconsin Department of Transportation, all motorists are required to carry liability insurance. The minimum coverage requirements are:

  • $10, 000 for property damage
  • $25, 000 for the injury or death of one person 
  • $50, 000 for the injury or death of multiple people

While this is the minimum amount required, it will only provide coverage for other drivers injured in a car accident. If you only carry liability insurance, and another driver is at fault, your insurance policy will not address your own injuries or property damage. However, if you have comprehensive insurance coverage, you will be able to receive coverage after paying a deductible. In addition, many comprehensive insurance policies include uninsured or underinsured motorist coverage.

Know What to Do After an Accident

In the event that an automobile crash does occur, it is important for the driver and passengers to remain calm. Immediately after the accident takes place, you should:

  • Check on the safety and well-being of everyone involved 
  • Call the police and file a report
  • Take photographs of the scene and secure witness statements
  • Exchange information with the other motorists, but do not admit fault
  • Document any symptoms, injuries, damages, and medical expenses

Speak to an Attorney

If the person who was responsible for your accident was uninsured or underinsured, your insurance policy may provide coverage for your injuries and the damage to your vehicle or other property. However, before contacting your insurance company, it is best to speak to an attorney. In many cases, an insurance company will offer a settlement that seems reasonable but does not provide the full coverage you need. Our lawyers can help you determine the full extent of your injuries and place a monetary figure on the damages you have suffered. We can then negotiate a settlement with your insurance company that fully addresses your damages, including the costs of medical bills, income lost while recovering from your injuries, and the expenses necessary to repair or replace your vehicle.

Contact a Green Bay Auto Accident Attorney

If you or a family member have been involved in a car accident with a driver who did not have the proper insurance coverage, you may be wondering how you will be able to handle the resulting expenses and damages. Fortunately, the skilled team of Appleton personal injury lawyers at the Herrling Clark Law Firm, Ltd. are here to help. We will work with you to ensure that you receive the compensation you deserve. To schedule a free consultation, contact our office today at 920-739-7366.

Sources:

https://docs.legis.wisconsin.gov/statutes/statutes/632/IV/32/5/j

http://oci.wi.gov/Documents/Consumers/PI-233.pdf

https://wisconsindot.gov/Pages/dmv/license-drvs/rcd-crsh-rpt/Auto-insurance.aspx

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