Auto accidents are never a pretty sight. From personal injury to dealing with insurance, it’s important that you understand how to proceed in recovering from an accident. When one or both of the drivers involved in an accident are uninsured, it presents a bigger legal issue. If you’ve been injured in an accident and a driver is uninsured, here’s what you need to know about auto insurance and personal injury.
Auto Insurance Laws in Wisconsin
The State of Wisconsin requires drivers to have auto insurance. According to the DMV, drivers must have liability, uninsured motorist and underinsured motorist coverage. Liability insurance provides drivers with coverage for personal injury and automobile damage. Uninsured and underinsured motorist insurance provides coverage when you or your passengers are injured and the other driver is uninsured/underinsured. Each type of insurance also carries a minimum requirement for how much money you’re insured for.
What if I can’t be insured?
Insurance companies may not give you coverage for a number of reasons. For example, you can be denied if you’ve been in auto accidents where an injury has occurred or your credit score isn’t looking so hot. Not having insurance is risky. If you fail to provide proof of insurance when an officer pulls you over, you may be ticketed. According to the DMV, states have plans set up that will help high-risk drivers find insurance plans. However, simply because you have been denied auto insurance doesn’t dismiss you from needing it, especially when you find yourself in an accident.
I’m uninsured and have been injured in an auto accident. What happens now?
It’s most important to first contact the authorities to help anyone who has suffered from injuries in an auto accident. Following that, you should contact a lawyer who specializes in personal injury and auto accidents. It’s important that you receive compensation from being injured in an auto accident. If you are at fault for an accident that causes damage to another’s automobile or self, you face a number of potential penalties.
First and foremost, you will be responsible for paying out of pocket for all damages to any automobiles and individuals involved. Uninsured drivers may face a suspension of their license. If you are driving under the influence, you may be subject to more serious legal trouble. By contacting a personal injury attorney, you can better assess the step towards receiving compensation.
When to contact a lawyer
If you are injured in an auto accident and one of the drivers is uninsured, it’s your best bet to call on a lawyer that can help you get compensated. Call on Gebhard Law Offices, a top personal injury lawyer in Milwaukee with a specialty in personal injury and auto accident cases.