If you’ve been in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages, you may feel frustrated and unsure of your options. Insurance companies often make the claims process difficult, but you don’t have to take them on alone.
At Gruber Law Offices, our Milwaukee uninsured motorist accident lawyers have been fighting for accident victims for over 40 years. Our firm has served tens of thousands of clients across Wisconsin and has the resources to take on insurance companies right away.
When our car accident lawyers in Milwaukee lead your case, you can trust us to look out for you and your interests while you work on healing from your injuries. Call us today for a review of your situation and your legal options and next steps.
Understanding Uninsured and Underinsured Motorist Coverage in Wisconsin
Wisconsin law requires all drivers to carry auto insurance, but not everyone follows this rule. That’s why uninsured motorist (UM) and underinsured motorist (UM) coverage exist.
These policies protect you when the at–fault driver doesn’t have enough insurance—or any at all—to cover your losses.
- Uninsured motorist (UM) coverage: This applies when the at-fault driver has no insurance. Wisconsin UM coverage also extends to pedestrians who are hit by an uninsured driver, providing vital protection for those who are injured while walking.
- Underinsured motorist (UIM) coverage: This applies when the at-fault driver has insurance, but their policy limits are too low to cover all your damages.
Our Milwaukee personal injury lawyers understand laws regarding auto insurance in Wisconsin and are ready to help you.
Why You Should Consider More Than the Minimum UM/UIM Coverage
It’s a good idea to carry more than the basic UM/UIM coverage required by law. Wisconsin’s UM policy does not cover damage to your vehicle, meaning you could still face out-of-pocket repair costs after an accident, depending on your property damage coverage.
Additionally, your UM coverage only protects you—it does not extend to the other driver involved in the accident. If your insurer pays for damages caused by another driver, they may sue the at-fault driver to recover those costs. However, if the other driver is uninsured or has limited assets, recovering additional compensation may be difficult.
While Wisconsin no longer requires UIM coverage (as of the 2011 Wisconsin Act 14), insurance companies must notify policyholders that it is available when they issue or renew a policy. Purchasing UIM coverage can provide additional financial protection if you are hit by a driver whose insurance isn’t enough to cover your medical bills and other expenses.
For a free legal consultation with an uninsured motorist lawyer serving Milwaukee, call 414-276-6666
When Do You Need UM/UIM Insurance?
Uninsured and underinsured motorist insurance is crucial in many situations. If you’re ever in an accident where the at-fault driver lacks proper coverage, having UM/UIM insurance can protect you from devastating financial losses.
Here are some scenarios where UM/UIM coverage becomes important:
- Hit–and–run accidents: If the driver who hit you flees the scene and cannot be identified, UM coverage helps pay for your damages.
- Accidents with uninsured drivers: Some drivers break the law and drive without insurance, leaving you with no way to recover damages from them directly.
- Accidents with underinsured drivers: If the at-fault driver carries only the minimum liability insurance, their policy may not cover your full medical expenses and property damage.
- Severe injury cases: If your injuries require extensive medical treatment or long-term care, UM/UIM coverage ensures you are not left struggling with medical bills.
- Passengers in uninsured vehicles: If you’re a passenger in a vehicle involved in a crash caused by an uninsured or underinsured driver, your UM/UIM policy may cover you.
Having UM/UIM coverage provides peace of mind and financial security in situations where the liable party cannot fully compensate you for your losses.
It is important to note that even if you have UM or UIM coverage, insurance companies often make it challenging to collect the compensation you deserve.
That’s where our uninsured motorist accident lawyers in Milwaukee come in. Call us today for a free consultation about the accident.
Milwaukee Uninsured Motorist Lawyer Near Me 414-276-6666
Our Milwaukee Uninsured Motorist Accident Attorneys Will Stand Up for You
Insurance companies prioritize their profits over paying claims, even when you’re dealing with your policy. Our firm will take on insurance companies and fight for the full compensation you deserve.
We help clients by:
- Investigating insurance policies to determine available coverage.
- Handling all negotiations with the insurance company.
- Gathering medical records and evidence to build a strong case.
- Filing lawsuits when insurance companies refuse to offer fair settlements.
Don’t take on the insurance companies alone – let our team of Milwaukee uninsured motorist accident attorneys fight for you.
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You Can Recover Various Damages After a Car Accident
If you are recovering from a crash caused by an uninsured or underinsured driver, you may be able to recover compensation for:
- Medical expenses
- Lost wages and future earning ability
- Pain and suffering (mental, physical, and emotional)
- Vehicle repair or replacement costs
- Emotional distress
We will evaluate your losses carefully to make sure we don’t overlook anything. This helps us ensure we pursue every dollar you deserve.
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What Are the Filing Deadlines for Injury Lawsuits in Wisconsin?
Wisconsin has a general three–year statute of limitations for car accident injury claims (Wis. Stat. § 893.54). This means you must file a lawsuit within three years from the date of the accident, or you risk losing your right to compensation.
However, the deadlines for UM and UIM claims can differ based on your policy. Our attorneys can help you understand these deadlines and take action before it’s too late.
The Gruber Law Offices Advantage: One Call…That’s All!
Choosing the right lawyer can make all the difference in your case. Here’s why Gruber Law Offices is the best choice for your uninsured motorist claim:
- Over 40 years of experience: We’ve successfully handled thousands of uninsured motorist claims in Wisconsin.
- 130+ legal professionals on staff: Our team has the resources to take on even the biggest insurance companies.
- No upfront fees: We work on a contingency basis – you don’t pay unless we win.
What to Do After an Accident with an Uninsured or Underinsured Driver
Being involved in an accident is stressful, but taking the right steps can help protect your rights:
- Call 911: Always report the accident to law enforcement and request a copy of the police report.
- Seek medical attention: Even if you don’t feel injured right away, some injuries take time to show symptoms.
- Gather evidence: Take photos of the accident scene, vehicle damage, and any visible injuries.
- Exchange information: If the other driver is uninsured, get their contact details and any witness information.
- Talk to an attorney: Before speaking with any insurance adjusters, reach out to our experienced Milwaukee uninsured driver accident lawyers for guidance.
Get Help From Our Milwaukee Uninsured Motorist Accident Lawyer Today
If you or a loved one has been injured in an accident involving an uninsured or underinsured driver, you can contact us now for help. Call Gruber Law Offices today for a free consultation. There’s no risk in speaking with us to understand your options.
Our team of Milwaukee uninsured motorist accident lawyers is ready to build your compensation case, fight for your rights, and get you the financial recovery that helps you move forward with your life. One Call…That’s All!
Call or text 414-276-6666 or complete a Free Case Evaluation form
