Injured by an Uninsured or Underinsured Driver in Wisconsin? Know Your Rights

Even though Wisconsin law requires every driver to carry auto insurance, many people still get behind the wheel without coverage—or with policies too small to cover the full extent of a serious accident. If you’re injured by one of these drivers, you could face not only physical and emotional pain, but also financial uncertainty about how your medical bills, lost wages, and damages will be paid.

At TLW, we understand the unique challenges faced by victims of uninsured and underinsured drivers. Our experienced team helps you explore all possible sources of recovery, navigate the insurance process, and fight for the full compensation you deserve.

What Is an Uninsured or Underinsured Driver?

• Uninsured driver: Someone with no auto insurance at all.
• Underinsured driver: Someone whose insurance limits are too low to cover all the injuries and damages they caused.

Wisconsin requires every auto policy to include uninsured motorist (UM) coverage, and most policies include underinsured motorist (UIM) coverage as well. These coverages are crucial for protecting yourself and your family in the event of a crash with an irresponsible driver.

Steps to Take After an Accident with an Uninsured or Underinsured Driver

1. Call the police and get a full accident report.
2. Seek immediate medical attention. Your health and documentation of injuries come first.
3. Gather evidence: Take photos, exchange information, and collect witness details if possible.
4. Notify your own insurance company promptly.
5. Consult with TLW before accepting any settlement or signing documents from insurers.

How Uninsured and Underinsured Motorist Claims Work

If you’re injured by an uninsured driver, you can file a claim under your own uninsured motorist (UM) coverage. If the at-fault driver’s insurance is insufficient, you may be able to use your underinsured motorist (UIM) coverage to cover the gap.

These claims, however, are not always straightforward. Insurance companies may try to minimize payouts or deny valid claims, requiring strong advocacy and thorough evidence to secure the compensation you need.

Types of Compensation You May Recover

• Medical bills: Emergency care, hospitalization, surgeries, medication, and ongoing treatment
• Lost wages: Income lost due to missed work and diminished future earning capacity
• Pain and suffering: Physical pain, emotional distress, and the impact on your life
• Property damage: Repair or replacement of your vehicle and personal property
• Other out-of-pocket expenses related to the accident

At TLW, we pursue every available source of compensation to ensure that you are not left carrying the financial burden of someone else’s recklessness.

Why You Need a Lawyer for Uninsured or Underinsured Claims

Even though you’re dealing with your own insurance company, they may not have your best interests at heart. TLW has extensive experience negotiating with insurers, challenging claim denials, and—if necessary—taking cases to court to secure what you’re truly owed.

We help by:

• Reviewing all relevant policies and coverage limits
• Gathering and presenting strong evidence for your claim
• Handling all negotiations with the insurance company
• Filing lawsuits if insurers refuse to pay fairly
• Keeping you informed and supported at every step

Common Challenges in These Cases

• Policy exclusions or technicalities used by insurers to deny claims
• Delays in processing that leave you waiting for much-needed funds
• Disputes over fault or the extent of your injuries
• Pressure to accept low settlements before you understand the true value of your claim

With TLW by your side, you’ll have an advocate who knows how to overcome these obstacles and who will fight for every dollar you deserve.

Experience, Compassion, Results – The TLW Difference

We know how disruptive and frustrating it is to be hurt by an uninsured or underinsured driver. That’s why TLW is committed to providing both the compassionate guidance and aggressive advocacy you need to move forward. We handle the legal and insurance issues so you can focus on your recovery.

Contact TLW – Wisconsin’s Car Accident Law Firm

If you or someone you love was injured in a crash with an uninsured or underinsured driver, don’t try to navigate the insurance process alone. Contact TLW today for a free consultation. We’ll help you understand your options and work tirelessly to protect your future.