What to Do if You’re Injured in an Accident and Need Insurance Coverage in Wisconsin
If you’ve been injured in an accident in Wisconsin, navigating the aftermath can be overwhelming, especially when it comes to securing the insurance coverage you need. Knowing the right steps to take can help alleviate some of the stress and ensure you receive the benefits you're entitled to.
1. Seek Medical Attention
Your health is the top priority. Immediately after an accident, seek medical care—even if your injuries seem minor. Some injuries, like concussions or internal injuries, may not be immediately apparent. Keep a detailed record of all medical treatments, hospital visits, and prescriptions, as this documentation will be crucial for any insurance claims.
2. Report the Accident
In Wisconsin, it’s important to report the accident to the local authorities, especially if it involves a vehicle. Obtain a copy of the police report, as this document can provide critical details about the incident. Additionally, if the accident occurred at a place of business, alert the management and document the incident.
3. Gather Evidence
4. Notify Your Insurance Company
Contact your insurance provider as soon as possible to report the incident. Be prepared to provide them with details about the accident, injuries sustained, and any evidence you collected. It’s crucial to understand your policy coverage—Wisconsin requires drivers to carry minimum liability coverage, so knowing your limits can help navigate potential claims.
5. Know Your Coverage Options
Wisconsin operates under a “fault” system for car accidents. This means that the at-fault party is responsible for damages. If you have a personal injury protection (PIP) policy—commonly known as MedPay—you may have immediate access to medical expenses regardless of fault. Additionally, if the other party is at fault, you can pursue a claim against their insurance.
6. Consider Underinsured or Uninsured Motorist Coverage
Wisconsin law mandates that drivers have liability insurance but does not guarantee that all drivers are adequately insured. If you’re hit by an underinsured or uninsured motorist, having your own underinsured/uninsured motorist coverage can provide critical financial protection. Always review your policy to confirm you have this coverage.
7. Consult with a Personal Injury Attorney
In complex cases or if you encounter difficulties with your insurance claims, consider consulting with a personal injury attorney who specializes in Wisconsin law. An attorney can help you understand your rights, navigate the legal process, and negotiate with insurance companies on your behalf. They can be particularly useful if liability is disputed or if your injuries result in long-term damage.
8. Keep Documentation Organized
As you progress through medical treatments and insurance claims, maintain organized records of all related documents. This can include medical bills, insurance correspondence, police reports, witness statements, and personal notes detailing your recovery journey. Having everything in order will expedite your claims process and provide helpful references if disputes arise.
9. Stay Vigilant About Deadlines
Insurance claims often come with strict filing deadlines. In Wisconsin, the statute of limitations for filing a personal injury lawsuit is typically three years from the accident date. However, the sooner you act, the more straightforward the process will be. Make sure to follow up regularly with your insurance provider and keep track of any impending deadlines.
Recovering from an accident can be a lengthy and complicated journey, but knowing what steps to take can make it more manageable. Stay informed, keep your documentation in order, and reach out for professional guidance if necessary. This proactive approach will help you access the insurance coverage you need in Wisconsin.