Why is insurance important in automobile accidents?
(back to top) Insurance is a critical factor in determining whether or not to pursue your claim. If the other driver does not have insurance, you may make a claim under the uninsured motorist provision of your own policy. Every automobile insurance policy written in Wisconsin must include uninsured coverage. An uninsured motorist can be a hit-and-run driver who is not found. Insurance against such drivers covers you and family members even if you were not in the automobile when the accident occurred, e.g., walking down the street, riding your bike, sitting on your porch, etc. Your uninsured motorist coverage should have high enough policy limits to cover yourself and your family against substantial injury. Often the limits are too low to cover your damages. However, other policies may apply to your claim, and an experienced personal injury attorney can determine what insurance is available to pay for your claim.
