Driving in Wisconsin comes with its share of risks, one of which is encountering uninsured or underinsured motorists. Despite state laws requiring all drivers to have minimum liability insurance, a significant number of drivers in Milwaukee and across Wisconsin fail to maintain adequate coverage. This is where Uninsured Motorist (UM) and Underinsured Motorist (UIM) insurance becomes essential. At Casey Law Offices, S.C., we understand the complexities of auto insurance claims. We are dedicated to helping Milwaukee and Wisconsin drivers secure the coverage they need to protect themselves financially.
UM/UIM insurance provides you with a sense of financial security. In the unfortunate event of an accident with a driver who either lacks insurance (uninsured) or does not have enough insurance to cover the damages caused (underinsured), your UM/UIM coverage steps in. Without this coverage, you could be left to handle significant expenses out of pocket, causing unnecessary stress and financial strain.
UM/UIM insurance offers comprehensive coverage. It not only covers you but also your family members and passengers in your vehicle for personal injuries. This wide-ranging protection ensures that you and your loved ones are well-protected in the event of an accident.
Legal Requirements in Wisconsin: While UM coverage is mandatory in Wisconsin, UIM coverage is optional but highly recommended. The minimum required UM coverage is $25,000 per person and $50,000 per accident for bodily injury. Considering the potential costs of medical treatment and personal injuries following an accident, these amounts may not suffice, making UIM coverage a wise addition.
When an uninsured driver hits you, your UM coverage steps in to cover your medical expenses and other damages. If the driver has insurance but the limits are too low to cover all your expenses, your UIM coverage can make up the difference.
Filing a UM/UIM claim follows a process similar to other types of insurance claims but involves your insurance company stepping into the shoes of the at-fault driver. It’s crucial to report the accident promptly and provide all necessary documentation to support your claim. Navigating the claims process can be complex, particularly when determining the full scope of your damages and negotiating with your insurer.
Having an experienced attorney can be invaluable in managing your UM/UIM claim. A skilled lawyer can help ensure that your rights are protected and that you receive the full compensation you are entitled to under the law. Legal experts, especially those familiar with Wisconsin’s insurance regulations and the specific challenges posed by Milwaukee uninsured motorists, can provide the guidance needed to navigate these claims effectively, giving you the support and peace of mind you need during a challenging time.
If you have yet to review your auto insurance policy recently, now is the time to ensure that you have sufficient UM/UIM coverage. In light of the risks posed by uninsured and underinsured drivers, especially in urban areas like Milwaukee, carrying UM/UIM insurance is not just an option—it’s a necessity.
For more information on how to safeguard yourself and your loved ones on the road, or if you need assistance with a UM/UIM claim in Wisconsin, contact Casey Law Offices, S.C. Our knowledgeable team is ready to help you understand your insurance options and provide the support you need in the event of an accident.
Contact our office today!
My case was handled very professionally by him and his staff. Even when my case resolved and party tried to delay payment, Mr.Casey stayed on them until the end and my case closed.
John helped me a great deal with my automobile accident claim. He was very knowledgeable and really responsive to my concerns. I received an excellent settlement. I just recommended him to a friend.
Attorney Casey helped me tremendously in a time of great need. He’s down-to-earth, friendly, and very knowledgeable. I would definitely recommend him to others.
I hired Attorney Casey to represent me in a complicated contract dispute. Despite the complexity of the language in the 15-page contract, Attorney Casey was able to negotiate a very fair settlement for me without my having to appear in court. The process was stress-free; working with his staff was easy — they communicated clearly and timely with me. Best of all, the dispute was resolved in a matter of a few months, not more than a year as I had predicted.
I hired Attorney Casey to represent me after I had been seriously hurt in a car accident and was unable to work. I found Attorney Casey to be responsive, tenacious and unwavering in his commitment to secure the maximum amount in damages for me. The six-figure settlement has helped me pay my medical bills and return my life to normalcy. I highly recommend Attorney Casey and the team at Casey Law Offices.
