After a bike crash, you can face significant damages that are hard to overcome. If you were hit by a car on your bike, the car driver could be held accountable for their negligence. To receive compensation for your injuries and damages, you will need to pursue legal action against the at-fault driver's insurer. The insurance company's adjuster will then examine your claim.

Since insurance adjusters aim to protect their insurance companies' interests, they will always strive to reduce your compensation amount. Because of this, you're going to want the help of a Milwaukee bike accident lawyer to represent you and calculate the actual amount of your claim.

Available Damages after a Bike Accident

Under Wisconsin law, you are entitled to recover a monetary settlement for your injuries and damages after a bike accident. These could include:

Medical Costs

If you suffered severe injuries that required medical treatment or emergency services, you might recover those medical expenses from the negligent party that caused the accident. These costs will cover past and future medical bills for:

  • Prescription medications
  • Hospitalization
  • Emergency services
  • Physical therapy
  • Rehabilitation
  • Surgery

Pain and Suffering

Pain and suffering damages refer to the physical and emotional trauma you suffered following a bike accident. You may develop anxiety which makes you fearful of riding your bike or even makes it hard for you to participate in social situations, leading to missing work or other social activities. Be sure to document these types of damages because they are recoverable.

Loss of Wages

Serious bike injuries can leave you injured to the point where you cannot earn income because you couldn't perform your job or you were at the doctor's office. In this case, you can seek compensation that covers what you would have been paid if you had been able to go to work.

Property Damage

You can recover compensation for personal property that was damaged following your crash. For instance, if your bike, cell phone, helmet, or smartwatch was destroyed in the accident, you can recover those damages.

Contact a Milwaukee Bike Accident Lawyer

If you have been injured in a Milwaukee bike accident, hiring a Milwaukee bike accident attorney could be a good place to start. An experienced attorney will investigate your bike accident, determine the at-fault party, represent you in court, uncover insurance policies and acquire the necessary documentation to optimize your recovery.

To get the legal help you need, call (414) 210-3834 to discuss your case confidentially with our lead bike accident attorney, Natasha Misra.

What is Automobile Insurance?

Automobile insurance is a contractual agreement between you and your insurance company. Your insurance company promises to provide compensation for injuries or property damage that you suffer as the result of an automobile accident in exchange for a premium.  

Wisconsin drivers are required by Wisconsin’s Financial Responsibility Law to carry automobile insurance.  At minimum, your auto insurance policy must provide liability coverage for the following amounts:

  • $25,000 for injury or death of one person,
  • $50,000 for injury or death of two or more people, and
  • $10,000 for property damage.

Additionally, Wisconsin drivers are required to carry uninsured motorist coverage with a minimum bodily injury coverage of at least $25,000 for injury or death of one person and $50,000 for injury or death of two or more people.

Who Is Covered by the Automobile Insurance?

Personal automobile insurance covers you (the named insured), your spouse, other relatives living in the same household and anyone you give permission to driver your automobile unless excluded from the policy.

Types of Auto Insurance Coverage Required Under Wisconsin’s Financial Responsibility Law

Bodily Injury Liability Coverage

If you are responsible for an auto accident that injures other people, bodily injury liability coverage protects your personal assets up to the stated amount of coverage for medical expenses, lost wages, pain and suffering, as well as other losses sustained by the injured individuals. Bodily injury coverage does not cover your injuries that you experience as a result of an accident that is your fault.  

Property Damage Liability Coverage

Property damage liability coverage, on the other hand, pays for property damage that you cause as a result of a car accident.  This coverage pays for any damage up to your insurance policy’s limit.  This coverage includes damages to someone else’s vehicle, someone else’s personal property and structural damage to property you do not own such as a street sign or light pole.

Uninsured Motorist Coverage (UM)

This coverage is for you, your family and other passengers in your vehicle who sustain injuries when struck by a vehicle who has no insurance or by a hit and run driver. This coverage also covers you and your family members if injured as a pedestrian when struck by a driver with no insurance or a driver who hits you and leaves the scene of an accident. The amount covered is based on the policy limits purchased.  

Types of Auto Insurance Coverages That Are Not Required Under Wisconsin’s Financial Responsibility Law

Underinsured Motorist Coverage (UIM)

Although underinsured (UIM) coverage is not mandatory, many Wisconsin driver choose to carry this type of coverage for further protection.  You should choose to have UIM coverage in case the at fault party does not have sufficient policy limits to cover your losses. UIM coverage increases the bodily injury protection to you and the passengers in your vehicle if the limits of the at fault party are less than your UIM coverage limits.  

Medical Payments Coverage

Medical payments coverage is a benefit that pays for medical expenses or funeral expenses for you or any others injured or killed in an auto accident in your vehicle regardless of fault. This type of coverage also covers you or your family members as pedestrians if hit by a car or riding as a passenger in someone else’s vehicle.

This type of coverage is useful to pay for co-payments or deductibles that your health insurance does not cover, as well as applicable out-of-pocket expenses.  

Other Types of Auto Insurance Coverage

While Wisconsin’s Financial Responsibility Law requires drivers to carry bodily injury liability coverage, property damage liability coverage, and uninsured motorist coverage, many drivers choose to purchase more coverage than is required by law to protect their personal assets after an accident.

Collision Coverage

This coverage will repair damages to your vehicle or pay in the event your vehicle has been declared totaled from a collision with another vehicle or object, even if you are at fault for the accident.  

Even though collision coverage is not mandatory in the State of Wisconsin, financial institutions (lienholders) may require you to take out collision coverage to protect their interest at the time of a collision.

Comprehensive Coverage

Comprehensive coverage is an elective coverage that pays for damage to your vehicle caused by covered events such as theft, vandalism, flooding, hail, broken glass, falling objects and even hitting an animal such as a deer.

Contact Wisconsin Personal Injury Attorney Natasha Misra

If you have been injured in an auto accident, you should discuss your options with an experienced Milwaukee personal injury attorney. Natasha Misra Law helps Wisconsin accident victims seek the compensation they deserve for their injuries. If you have been in an accident and suffered from bodily injury or property damage, you should not have to bear the economic burden. Together, we will look at the facts of your case and uncover all potential sources of recovery.

Call our office today at (414) 635-2833 for a free consultation and speak with an experienced Milwaukee car accident lawyer.

Natasha Misra

My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.