Being involved in a car accident can be stressful, but the situation becomes more complicated when the other driver does not have insurance. Wisconsin requires all drivers to carry liability insurance, but some still drive without coverage.
Knowing what steps to take after an accident with an uninsured driver can help you receive the compensation you deserve.
Gather important information
After a car accident, safety should always come first. Move to a safe location and check for injuries. Seek medical attention immediately, even if nobody seems hurt. Once everyone is safe, gather as much information as possible from the uninsured driver. This includes their name, contact information and vehicle details. Take pictures of the accident scene, vehicle damage and any visible injuries. These details can be important when filing a claim with your own insurance provider.
Report the accident to the authorities
In Wisconsin, drivers must report accidents that result in injury, death or property damage exceeding $1,000. Even if the damage appears minor, it is a good idea to call law enforcement. The police report will document the accident and the uninsured driver’s status, which may be helpful when dealing with insurance companies.
Notify your insurance company
Contact your insurance company as soon as possible after the accident. If the other driver does not have insurance, your own policy may cover the damages. Wisconsin requires insurance policies to include uninsured motorist coverage, which helps compensate for injuries caused by uninsured drivers. UM coverage typically covers medical bills, lost wages and pain and suffering damages. Some policies also include underinsured motorist coverage, which protects you if the at-fault driver has insurance, but not enough to cover your losses.
It can feel like you have no options for recovering after an accident with an uninsured driver. However, it is important to remain calm and explore options through your own insurance company or legal action to hold the other driver accountable.
