Wisconsin Auto Insurance Law: What to Do After a Car Accident

Wisconsin auto insurance law requires all drivers to carry a minimum amount of liability insurance to ensure that they can cover damages resulting from an accident. Understanding what to do after a car accident in Wisconsin is crucial for protecting your rights and ensuring a smooth claims process. Here’s a step-by-step guide to help you navigate this process.

1. Ensure Safety First
After a car accident, your first priority should be the safety of all individuals involved. Check for injuries and assess the situation. If anyone is injured, call 911 immediately. If it's safe to do so, move vehicles out of the traffic to prevent further accidents.

2. Call the Police
In Wisconsin, you are required to report accidents that cause injury or significant property damage. The police will arrive on the scene to file an accident report, which will be essential for your insurance claims later. Make sure to provide them with accurate information about the event.

3. Gather Information
Exchange information with the other driver, including names, addresses, phone numbers, driver’s license numbers, and vehicle registration details. Additionally, take note of the make, model, and license plate numbers of the other vehicle(s) involved. Collect contact information from any witnesses as well.

4. Document the Scene
Use your smartphone to take photos of the accident scene, including vehicle damages, license plates, street signs, and any relevant road conditions. This evidence can be crucial when filing insurance claims.

5. Notify Your Insurance Company
Contact your auto insurance provider as soon as possible to report the accident. Provide them with all the details you gathered at the scene. In Wisconsin, you may be required to report accidents within a specific timeframe, so timely communication is essential.

6. Understand Wisconsin’s Fault Rules
Wisconsin follows a "modified comparative negligence" rule. This means that if you are found to be partially at fault for the accident, your compensation may be reduced by your percentage of fault. If you are more than 50% at fault, you may not be eligible for compensation at all.

7. Seek Medical Attention
Even if you feel fine, it’s a good idea to see a doctor after an accident. Some injuries may not be immediately apparent, and having a medical record can support your insurance claim if you experience delayed symptoms.

8. Keep Records
Maintain detailed records of all correspondence with your insurance company, medical treatment, repair expenses, and any other costs related to the accident. This documentation will support your case and ensure you receive appropriate compensation.

9. Consult an Attorney
If you face disputes with insurance companies or if serious injuries are involved, consulting a personal injury attorney can be beneficial. They can provide guidance on your rights and the best course of action based on the specifics of your case.

10. Follow Up
Stay proactive about following up on your insurance claim. There may be delays or additional information needed, and being assertive can facilitate a faster resolution.

By understanding Wisconsin's auto insurance laws and following these steps after a car accident, you can navigate the aftermath more effectively. Being prepared can help safeguard your rights and ensure that you get the compensation you're entitled to.