You’ve been injured in a car accident in Milwaukee. The bills are piling up. You’re missing time at work. And now the insurance company wants to talk about a settlement.
But how do you know what’s fair? Should you accept their offer? And who’s really looking out for your best interest?
At Natasha Misra Law, we understand how confusing and stressful settlement negotiations can be — especially when you’re recovering from an injury. Our team is here to help you make smart decisions, protect your rights, and secure the compensation you truly deserve.
A settlement is an agreement between you and the at-fault driver’s insurance company to resolve your claim without going to court. In most cases, it’s how car accident cases in Wisconsin are resolved.
But just because a settlement avoids trial doesn’t mean it’s simple — or fair. Insurance companies are trained to protect their bottom line, not your recovery. That’s why having a lawyer who knows the process can make all the difference.
You don’t have to take on the insurance company alone.
When you work with Natasha Misra Law, we handle every part of the negotiation process for you — from gathering medical records and building your claim to pushing back on low offers and demanding what you’re truly owed.
We’ve helped clients across Milwaukee and Wisconsin navigate the insurance process and recover the compensation they need to move forward. We’ll do the same for you.
Every case is different, but here are some of the biggest factors that influence the value of your car accident settlement in Wisconsin:
Who Was at Fault: Liability plays a key role. If the other driver was clearly negligent, you may be entitled to more.
Your Injuries: The more serious your injuries — and the longer your recovery — the more compensation you may need.
Medical Costs: This includes hospital bills, ongoing treatment, physical therapy, and projected future care.
Lost Income: If you missed work or can no longer do your job the same way, that loss should be reflected in your settlement.
Pain and Suffering: Emotional distress, physical pain, and loss of enjoyment of life can and should be part of your compensation.
We don’t just accept the first offer — and we don’t let the insurance company decide what your recovery is worth. Here’s what we do:
Our job is to help you get back on your feet — physically, emotionally, and financially — and we take that job seriously.
If you’ve been injured in a car accident in Milwaukee, you deserve more than a quick payout. You deserve an advocate who will stand by you and fight for every dollar you’re entitled to.
Schedule your free consultation today. Let our team handle the negotiations so you can focus on healing. We’re here to protect your rights — because it’s our purpose and our mission.
According to the Insurance Information Institute, most vehicles depreciate twenty-percent within the first year. If your vehicle is totaled in an accident, auto insurance will likely cover the value of the vehicle at the time of the accident. But, what if the value is less than what you still owe on your auto loan?
Gap insurance covers what your standard auto policy does not. Rather than being left to make loan payments on a vehicle you cannot drive, gap insurance makes sure your auto loan is paid off.
So, what exactly is gap insurance, and do you need it? Here we explain how standard insurance policies handle totaled vehicles and how gap insurance works.
Yes, auto insurance will cover your totaled car, but coverage is based on the current value of the vehicle, not the remaining balance on your auto loan which includes interest. Generally, auto insurance providers total a vehicle if the cost of repairs exceeds the actual cash value of the vehicle. If you have an outstanding auto loan on the vehicle, the insurance reimbursement will go directly to your loan provider who is the lienholder of the vehicle.
Because cars depreciate over time, it is not uncommon for this to happen. Auto insurance will make a payment to the lender for the depreciated value of the vehicle. If this is less than the outstanding balance on the loan, you will be responsible for continuing payments out-of-pocket until the loan has been paid in full, unless you have gap insurance.
If your car is stolen or totaled in an accident and you owe more than the car’s value at the time of the loss, gap insurance covers the difference between the value of the car and the remaining balance on the auto loan. Gap insurance is intended to protect you from having to make payments on a car you can no longer use. Many dealerships offer gap insurance, but it is also available as an add-on through many insurance providers.
For example, gap insurance from Toyota Financial Services (TFS) will either waive or pay the deficiency balance, or the difference between what is owed on the vehicle and what the insurance company will pay if the vehicle is declared a total loss. So, if you owe $23,000 on your vehicle and receive $20,000 from the auto insurance company, you would be responsible for $3,000 out-of-pocket. However, gap coverage from TFS would cover this $3,000 balance.
Yes, a car accident attorney will make sure your gap insurance is appropriately applied to resolve any remaining balance on your auto loan. Save yourself the headache of the back-and-forth with your loan provider and insurance company and contact Milwaukee personal injury attorney Natasha Misra Law today.
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.
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