Every year, thousands of people suffer injuries in car accidents throughout the state of Wisconsin. Whether a collision leads to a serious injury, fatality, or property damage, it can have a long-term impact on the financial health of an entire family. In many accidents, the at-fault driver’s insurance policy will provide coverage for the injuries and damages suffered by victims. However, cases can become complicated if the person who was at fault does not have the required insurance coverage. If you have been involved in a collision with an uninsured or underinsured motorist, a personal injury lawyer can help you understand your legal options.
Insurance Coverage for Auto Accident Injuries and Damages
While all drivers are required to carry liability insurance, some people fail to maintain the necessary coverage. However, if the driver was operating a vehicle owned by another, with their consent, then if the owner of the vehicle had insurance, then the driver would likely be covered under that policy. If neither the owner nor the operator had insurance, fortunately, Wisconsin law requires that insurance companies provide their insureds with uninsured motorist coverage, allowing victims to recover compensation for their damages from their own insurance company, rather than chasing down someone who may or may not have assets. It may also be possible to file a personal injury claim against other parties who were partially responsible for an accident, such as the manufacturer of defective auto parts.
In some cases, a driver may have insurance, but their policy will not fully cover your damages. For instance, insurance may be able to cover some portion of your medical expenses, but not the full amount. In these cases, underinsured motorist coverage under your own insurance policy may make up some of the costs that were not covered by the at-fault driver’s insurance.
When addressing coverage by the at-fault driver’s insurance policy or your own uninsured or underinsured motorist coverage, a skilled personal injury attorney can speak to insurance companies on your behalf and ensure that you receive as much compensation as possible for your damages. In many cases, an insurance company will offer an initial settlement that seems reasonable, but this offer will likely not take the full amount of your damages into consideration. By having a lawyer negotiate with insurance companies, you can make sure you receive the settlement you need and deserve.
Contact a Green Bay Car Accident Attorney
At Herrling Clark Law Firm, Ltd., we have helped countless victims receive the compensation they need in the aftermath of a motor vehicle collision. While an uninsured or underinsured driver can complicate the case, we will do everything in our power to ensure you receive the compensation your family needs. To schedule a complimentary consultation with a knowledgeable Appleton personal injury lawyer, call us today at 920-739-7366.