Understanding UM/UIM Coverage in Wisconsin Auto Accident Cases
If you or a loved one have been harmed in a Milwaukee WI car accident, you may know about the possibility of pursuing a personal injury lawsuit against the negligent driver who caused the wreck in order to recover financial damages for your injuries and other related costs. You may not know, however, the large role that insurance coverages—both theirs and your own—can play in ultimately determining how much you can recover.
When a negligent driver causes a wreck which injures you or a member of your family, they are liable to pay you for your damages. This may include medical bills, ongoing medical care, lost wages from missed time at work, and even instances of pain or emotional suffering. This sum, which is determined by a settlement or a jury in a civil case, is usually paid by their insurance company. However, complications arise when the driver who hit you has just a little insurance or none at all. This is where uninsured motorist (UM) coverage and underinsured motorist coverage (UIM) kick in.
Basically, UM and UIM coverage is a way you can recover some of the financial damages you sustain in a wreck through your own insurance coverage. Every policy holder in Wisconsin is required to have at least $25,000 in UM coverage, and although policy holders are not required to have UIM coverage (it is recommended), insurance companies must offer it to you in writing when you buy your policy. This means that almost all people have UM coverage and most people have UIM coverage in Wisconsin.
Therefore, if you have been injured in a Milwaukee WI car wreck and are injured as a result, you should consider filing a personal injury lawsuit against the negligent driver who caused the crash. If their insurance coverage is insufficient to cover the full amount of your damages, you may be able to receive the difference from your own policy, including its provisions for UM and UIM coverage. The experienced Milwaukee WI personal injury attorneys of GLR can help you determine how much you are eligible to receive. If needed, we can fight against the insurance companies to ensure you receive what you need to put your life back together again.
Hurt in a Car? Call GLR.
For more information about how to receive the maximum amount of financial compensation after an auto accident in Appleton, Brookfield, Eau Claire, Greenfield, Madison, Mequon, Milwaukee, Racine, Waukesha, or Wausau, call our knowledgeable and aggressive Milwaukee WI auto accident attorneys at1-877-CALL-GLR (1-877-225-5457) or fill out the online form on our contact page to request a free, no-obligation consultation about your case. You should also consider reading our informative book: “11 Mistakes That Can Cost Accident Victims Thousands of Dollars.”