A serious injury can have a huge impact on your life and your finances. In addition to paying for medical treatment, you may lose income if you are unable to work while you are recovering, and you may require ongoing rehabilitation or accommodations for disabilities. In many cases, a personal injury lawsuit will allow you to recover compensation from the person responsible for your injuries. However, if your injury was caused by a friend or family member, you will probably be hesitant to take legal action against them, since you do not want to jeopardize an important personal relationship. Fortunately, Wisconsin’s direct action statute may allow you to recover compensation from the person’s insurance company rather than bringing a lawsuit against them.
What Is Direct Action?
Wisconsin statute 632.24 states that an insurer is liable for damages caused by a person covered by an insurance policy, up to the policy limits. This is a law that is unique to the state of Wisconsin, and it allows an injured person to pursue a lawsuit against an insurance company rather than (or in addition to) the person who caused the injury.
Under this law, you can avoid taking legal action against a family member or friend who acted negligently and caused injuries or other damages. This can be beneficial in a wide variety of situations, including:...