When youíre injured in a car accident, and the driver who caused the accident doesnít have insurance, how are you supposed to cover the cost of your medical bills and other accident-related expenses? In Wisconsin, you may carry a minimum amount of uninsured motorist (UM) and underinsured motorist (UIM) coverage to protect you in the event of such an accident.
Understanding insurance coverage requirements is complex. An Appleton car accident lawyer from Sigman, Janssen, Sewall, Pitz & Hodgkiss may be able to help. Call (800) 775-1441 or complete a free initial consultation form.
According to the Wisconsin Office of the Commissioner of Insurance, UM insurance is bodily injury coverage designed to protect you, your family, or occupants of your vehicle, if you are injured in an accident caused by an uninsured motorist or by a hit-and-run driver. Pedestrians with UM coverage on their vehicles also are protected if they are hit by uninsured motorists or hit-and-run drivers.
UM or bodily injury coverage is required in Wisconsin. Policies newly issued or renewed after November 1, 2011, require these minimum amounts of coverage for bodily injury:
If youíre injured in an accident caused by a driver who has less bodily injury insurance coverage than you have in UIM coverage, your UIM coverage will help pay the costs of your or your passengersí damages. The most your UIM insurance will cover is the difference between the other driverís bodily injury limits and your UIM bodily injury limits.
UIM coverage is not required in Wisconsin; however, if you request the coverage, you must carry:
Remember, if you need help getting the compensation youíre owed for your injuries, contact Sigman Janssen. Our Appleton car accident lawyers want to help you get the best results possible for your claim.