What Happens if the At-Fault Driver Isn’t Insured?

If you’ve been in a car accident in Milwaukee, Madison, Appleton, Green Bay, or anywhere in Wisconsin, the moments afterward can shape your recovery — physically, emotionally, and financially. When no officer arrives to take an official accident report, you might feel like you’ve lost a key piece of your case. But you still have every right to protect yourself and pursue the compensation you deserve.

At Natasha Misra Law, we’ve built our practice on helping accident victims across Wisconsin through challenges just like this. We take the time to understand your situation, explain your options, and handle the details so you can focus on getting back on your feet. Here’s what to do next.

Step 1: Become Your Own Investigator

If law enforcement isn’t coming, you need to build the record yourself:

Take photos – Capture vehicle damage, license plates, injuries, debris, and the full accident scene from different angles.

Exchange information – Get names, phone numbers, driver’s license numbers, license plates, and insurance details from everyone involved.

Talk to witnesses – Politely ask for their contact information and a brief statement about what they saw.

Think of this as creating your own “mini report”; it can become vital evidence later.

Step 2: File a Crash Report with the State

Wisconsin law says you must file a Driver Report of Crash within 10 days if:

Anyone was injured or killed
There was $1,000 or more in damage to any one person’s property
There was $200 or more in damage to government property

You file this report with the Wisconsin Department of Transportation (WisDOT) — not the DMV. You can do it online or request a paper form. It’s the state’s official record of your crash, and it can make or break an insurance claim.

Step 3: Let Your Insurance Company Know

Report the accident to your insurer as soon as you can. Stick to the facts you documented. Don’t admit fault or guess at details — just provide the evidence you’ve gathered.

Step 4: Get Checked Out

Not all injuries show up right away. A stiff neck today could be a serious soft tissue injury tomorrow. Seeing a doctor immediately protects your health and ties your injuries directly to the crash in the medical record.

Step 5: Call a Milwaukee Car Accident Lawyer

When there’s no police report, insurance companies often push back harder. Having the right lawyer means you’re not fighting alone. At Natasha Misra Law, we:

Have handled thousands of auto, truck, and motorcycle accident cases across Wisconsin
Include property damage help at no extra cost — we’ll deal with repairs, rentals, and towing so you don’t have to
Offer language access in Spanish in-house and nearly any language through on-demand interpretation, including Burmese and Rohingya
Keep you in the loop, so you always know what’s happening with your case

Don’t Let a Missing Accident Report Derail Your Claim

You only get one chance to get this right. Call (414) 210-3834 or contact us online for a free consultation. We’ll guide you through the reporting process, deal with the insurance company, and fight for the compensation you deserve. Reach out now to get a lawyer who’s not just another suit.

You did everything right—you followed the rules of the road, carried the right insurance, and drove responsibly. But when an uninsured driver crashes into you, suddenly, you are the one left dealing with the financial and emotional fallout. That’s not fair.

At Natasha Misra Law, we fight to make sure you don’t pay the price for someone else’s negligence. If you’ve been hit by an uninsured driver in Fond du Lac, Appleton, Green Bay, or anywhere else in Wisconsin, you still have options—and we’re here to help.

What Happens When an At-Fault Driver Has No Insurance?

Wisconsin law requires drivers to carry liability insurance, but not everyone follows the rules. If an uninsured driver causes an accident, you may worry about who will pay for your medical bills, car repairs, and lost wages. The good news is that you still have options to recover compensation.

Uninsured motorist (UM) coverage – This is included in every Wisconsin auto policy and helps cover your medical expenses, lost wages, and pain and suffering when the other driver is uninsured.
Collision coverage – If you have this optional coverage, your insurance can pay for repairs or replacement of your vehicle.
Legal action against the at-fault driver – While many uninsured drivers lack assets, an experienced attorney can explore whether pursuing a lawsuit is a viable option.

Insurance companies will try to minimize what they owe you, even under your own policy. That’s why having an experienced Milwaukee car accident lawyer on your side is crucial.

Steps to Take After an Accident With an Uninsured Driver

If you’ve been hit by an uninsured driver, taking the right steps can protect your claim and improve your chances of full compensation:

Call the police – A police report will document the accident and confirm that the other driver lacks insurance.
Get medical attention – As soon as there is the onset of injury, it is important to get checked out for your injuries.
Gather evidence – Take photos, collect witness statements, and document your injuries.
Notify your insurance company – You should notify your insurance company of an accident, but it is best to do so only after consulting an attorney.
Consult a car accident lawyer – Insurance companies do not have your best interests in mind. A skilled car wreck lawyer will fight to get you the compensation you deserve.

What Compensation Can You Recover After a Car Accident?

Even if the at-fault driver is uninsured, you can still pursue compensation for:

Medical expenses – Emergency care, surgeries, physical therapy, and ongoing treatments
Lost wages – If your injuries prevent you from working
Pain and suffering – Compensation for physical pain, emotional distress, and reduced quality of life
Vehicle repairs or replacement – Through your own collision coverage or legal action against the driver

Every car accident case is different, but at Natasha Misra Law, we work to maximize every dollar of compensation available under Wisconsin law.

How a Milwaukee Car Accident Lawyer Can Help

Handling an uninsured driver accident alone can be overwhelming. Insurance companies may pressure you into settling for less than you deserve. Natasha Misra Law fights for accident victims across Milwaukee, Green Bay, Appleton, and beyond.

We help make sure you receive full compensation under your uninsured motorist policy
We fight back against insurance companies that try to minimize your claim
We offer personalized legal representation so you know your rights and options
We work with translation services to serve clients in Spanish, Burmese, Rohingya, and more to ensure everyone gets the legal support they need

Injured by an Uninsured Driver? Get an Accident Attorney Who’s Not Just Another Suit

An uninsured driver’s mistake shouldn’t leave you struggling financially. If you’ve been hurt in a car accident, we’re ready to fight for you. Contact Natasha Misra Law for a free consultation. You don’t pay unless we win.

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.