The aftermath of a serious car accident can feel extremely overwhelming. From seeking the medical treatment you need to tracking down witnesses and attempting to get back on your feet financially, you have so much to do - and filing an insurance claim may be the last thing on your mind.
Fortunately, you don’t have to do this alone. An experienced Milwaukee auto accident lawyer can help you pursue the compensation you need from the insurance companies to move forward. Your attorney can also explain the different types of claims available that you are able to file and can build a strong case to maximize your potential settlement.
Here, we will share a brief overview of the types of auto insurance claims you can file and how a skilled personal injury attorney can help you prepare one.
When you are involved in a car accident with a driver who carries liability insurance, you can file a claim against that driver’s policy. This is often called a “third-party” insurance claim, since you do not have a contract with the other driver’s insurer.
When you file a third-party claim, your auto accident lawyer will contact the other driver’s insurance company to initiate the claims process. This can be done through a written letter or a more formal package that presents the damages you sustained. This may include the following types of information and evidence:
Once you’ve filed your car accident claim, the insurer will investigate the claim and determine whether you are entitled to the compensation amount you have requested. Often, this involves a series of negotiations with your attorney. A skilled personal injury attorney will work hard to ensure you are not pressured into settling for less than you deserve.
Wisconsin law requires all motorists to purchase liability insurance. Nonetheless, there are many drivers out there who can’t afford - or don’t bother to apply for - auto insurance. If you are hit by an uninsured driver, you will likely have to turn to your own insurance to pay for your damages.
The State requires all drivers to carry a minimum uninsured motorist coverage of $25,000 per person and $50,000 per accident for personal injuries. This coverage will pay for damages that you sustained when hit by an uninsured motorist.
However, this type of coverage does not pay for property damage to your vehicle. This will be handled through the collision coverage portion of your policy.
Although Wisconsin law imposes minimum requirements for uninsured motorist coverage, it is not mandatory to purchase underinsured motorist (UIM) coverage in our State.
UIM coverage provides an increased amount of coverage if you are injured in an accident caused by a motorist who was underinsured. If you elect to purchase this type of coverage, your limits must be $50,000 per person and $100,000 per accident.
When you are injured in a car accident, you need diligent, high-quality representation - regardless if you file a third party insurance claim or a claim against your own insurance company.
Milwaukee car accident law firm Natasha Misra Law can help. With a history of helping accident victims recover the compensation they deserve, we stand ready to discuss your case with you. Contact us today for a free consultation.
Getting into a car accident can have a major impact on your life. You car may be damaged. You may suffer from traumatic injuries. You may even have to miss work. If you have been injured in a car accident caused by another driver, then you have the right to seek compensation from the at-fault driver’s auto insurance.
But what happens if you are injured in a hit and run accident and cannot locate the responsible driver? Although you may not be able to seek compensation from the hit and run driver’s insurance, you can still find financial recovery for your injuries through your own uninsured motorist coverage.
In Wisconsin, it is illegal to flee the scene of a car crash. In fact, drivers involved in a car accident are legally required to stop their vehicles. Failing to stop after an accident could lead to criminal penalties ranging from misdemeanor to felony charges. In hit and run accidents involving injuries, criminal charges could result in mandatory jail time. Even with these harsh criminal penalties, hit and run accidents still occur every day throughout the state.
If you are injured in a hit and run accident, the first thing you should do is call law enforcement. Law enforcement officers who respond to the scene of the crash will help you receive any emergency medical attention you need following the accident. In addition, they will investigate what happened, write an accident report and attempt to find the driver responsible for the accident.
If police are able to identify the driver, then you may be able to recover compensation from the driver’s insurance policy. However, if the hit and run driver cannot be found, then it will be impossible to seek recovery from their insurance policy.
In the event that police cannot find the other driver, there are other sources of compensation for your injuries. In Wisconsin, all drivers are required to carry uninsured motorist coverage that would help cover medical expenses, wage loss, pain and suffering and other associated costs in the event that you are in a hit and run accident.
It is advisable to hire a Milwaukee personal injury attorney to represent your interests when filing a hit and run claim against your own insurance company. Although you have paid for your uninsured motorist coverage, your insurance company will do everything they can to limit the amount owed to you in the event of a hit and run accident. An experienced Milwaukee personal injury attorney will investigate the facts of your case, request an accident report, collect medical reports and maximize your settlement.
If you have been injured in a hit and run accident, contact Natasha MIsra Law today to schedule a free consultation.
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.