How To Obtain An Accident Report In Wisconsin

Getting into a car accident can bring about physical injuries, emotional stress, and financial strains, too, like hefty medical bills and soaring insurance premiums. If you find yourself in this situation, it might be a good idea to consider contacting a car accident attorney. They can guide you through your legal options and help you understand how the incident might impact your insurance rates.

How Does Fault Affect Car Insurance Rates?

Insurance companies consider several factors when determining liability, and one of the most important factors is the fault of the accident. Who's at fault in a car accident can significantly impact the rate of insurance premiums.

The duration for which your insurance premiums rates will be higher after an accident varies depending on several factors, including:

• Milwaukee laws
• Insurance company policies
• Your driving history
• The severity of the accident

When determining premium rates, insurance companies consider the level of risk associated with each driver. If you are liable for a motor vehicle accident or have a history of accidents, it indicates a higher level of risk, increasing the likelihood of future accidents. 

At Natasha Misra Law, we encourage you to report your accident immediately to your insurance company. If you believe that your insurance company does not have your best interest at heart or that your rates increase, though you were not at fault for the accident, we can help. 

How Fault Impacts Insurance Claims

Insurance companies consider several factors when determining liability after an accident, with the fault being one of the most critical. Filing a claim should not lead to rate increases if you are not at fault for the collision. However, if you are liable or have a history of accidents, your premiums may rise due to the increased risk.

It's still vital to file a claim regardless of fault determination. This ensures you receive compensation for injuries, vehicle damage, and other expenses from the at-fault driver's insurance. Your own policy may also provide coverage like medical payments or uninsured motorist coverage to help pay bills.

Steps for Filing an Effective Insurance Claim

Here are some tips for filing a thorough insurance claim after a car accident:

• Report the Accident: Notify your insurance company about the accident as soon as possible after it occurs. Provide key details like date, time, location, and parties involved. This starts the claims process.
• Cooperate with the Insurer: Work closely with your insurance company during the investigation. Provide a recorded statement, access to your vehicle for inspection, and any supporting documents they request. This shows you are acting in good faith.
• Track Expenses: Keep detailed records of all accident-related expenses, including medical bills, auto repair estimates, missed wages due to injuries, and communication with insurers. This evidence helps support your claim.
• Request a Police Report: Obtain a copy of the official accident report filed by the responding law enforcement officer. Review it for accuracy regarding the determination of fault and details provided.
• Don't Delay Care: Seek medical treatment immediately after the accident and follow all doctor's orders. Gaps in care can lead insurers to dispute injury claims.
• Rental Car Coverage: If your vehicle is not drivable, make sure to specifically request rental car reimbursement from the at-fault driver's insurer. Most policies include this coverage.

Filing an insurance claim is the essential first step after any accident, regardless of who is deemed at fault. It starts the process of getting your bills paid and vehicle repaired.

Injured in a Milwaukee Car Accident? Contact Natasha Misra Law For Help

It's important to report your accident to your insurance company. If your premiums rise even if you were not at fault or believe the fault was wrongfully assigned to you after the accident, contact Natasha Misra Law for help. Call (414) 210-3834 for a consultation.