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What Happens if I Get Hit By an Uninsured Driver?

The state of Wisconsin requires that all drivers maintain insurance coverage for any medical and property damages that result from an accident. If a vehicle is involved in an accident, the Wisconsin Division of Motor Vehicles (DMV) requires the driver to show proof of insurance coverage; if he or she fails to do so, then the DMV will suspend his or her driver’s license and motor vehicle registration. The minimum required insurance coverage is as follows:

  • $10,000 property damage,
  • $25,000 for injury or death to one person, and
  • $50,000 for injury or death to more than one person

Drivers also must carry uninsured motorist coverage in the following amounts: $25,000 per person and $50,000 per accident. All of these insurance requirements are designed to ensure that individuals receive adequate compensation for their injuries when an accident occurs.

The reality is, however, that many drivers allow their insurance coverage to lapse, or, for other reasons, simply fail to maintain insurance coverage as required. In this case, you may wonder how you will get compensated if you get in an accident with an uninsured motorist and you are injured. First, there may be another party responsible for the accident, such as an additional drivers involved in the accident, a government entity’s failure to maintain a roadway or intersection, or the manufacturer of a defective vehicle. You also can get coverage by filing a claim with your own insurance company, pursuant to your uninsured motorist coverage. If you choose this avenue, your insurance company is then likely to pursue the negligent party who caused the accident for reimbursement of its expenditures relating to your injuries and damages to your vehicle.

At Boller & Vaughan, we know that suffering serious injuries in an auto accident or any other type of situation can be a stressful, emotional, physically painful, and financially draining event. Allow us to take some of the burden of this situation from you and your family by allowing us to handle your personal injury claim, which will allow us to work toward getting you the compensation that you need and deserve. As skilled Madison personal injury lawyers, we are here to help you through this ordeal from a legal perspective, while you concentrate on healing from your injuries and recovering from the financial impact of the accident.