Types of Insurance Claims You Can File After A Car Accident

If you've been injured in an accident in Milwaukee, you might be wondering whether it's worth hiring a personal injury lawyer to help you with your case. Dealing with the aftermath of an injury can be overwhelming, and navigating the legal process on your own can seem daunting.

Why Hire a Milwaukee Personal Injury Lawyer?

Experience and Guidance: Milwaukee personal injury lawyers have experience in handling various personal injury cases. They have a deep understanding of Wisconsin's personal injury laws and have experience dealing with insurance companies and other parties involved in personal injury claims. Their guidance can be invaluable in navigating the complexities of your case and maximizing your chances of receiving fair compensation.
Legal Representation: When you hire a personal injury lawyer, you have someone on your side who is solely focused on advocating for your best interests. Your lawyer will handle all communication with insurance companies and other parties, making sure that your rights are protected throughout the process. This can alleviate stress and allow you to focus on your recovery while your lawyer works to secure the compensation you deserve.
Maximizing Compensation: Personal injury lawyers are skilled negotiators who know how to assess the true value of your claim. They will carefully evaluate all aspects of your case, including medical expenses, lost wages, pain and suffering, and future damages, to determine the full extent of your losses. By building a strong case on your behalf, they can often negotiate a higher settlement than you would be able to achieve on your own.
Trial Experience: While many personal injury cases are settled out of court, some may require litigation to achieve a favorable outcome. If your case goes to trial, having a skilled litigator on your side can make all the difference. Milwaukee personal injury lawyers have trial experience and are prepared to advocate for you in the courtroom if necessary, increasing your chances of success.
Peace of Mind: Perhaps most importantly, hiring a personal injury lawyer can provide you with peace of mind during a challenging time. Knowing that you have a dedicated legal professional handling your case can alleviate stress and uncertainty, allowing you to focus on your recovery and moving forward with your life.

Contact Natasha Misra Law Today

Hiring a Milwaukee personal injury lawyer is often worth the investment if you've been injured in an accident. From their guidance and experience to their ability to maximize compensation and provide peace of mind, a personal injury lawyer can be an invaluable asset in navigating the legal process and securing the outcome you deserve. If you're unsure whether you need legal representation, consider scheduling a consultation with a Milwaukee personal injury lawyer to discuss your case and explore your options. Contact Natasha Misra Law today to get started on your case.

The aftermath of a serious car accident can feel extremely overwhelming. From seeking the medical treatment you need to tracking down witnesses and attempting to get back on your feet financially, you have so much to do - and filing an insurance claim may be the last thing on your mind.

Fortunately, you don’t have to do this alone. An experienced Milwaukee auto accident lawyer can help you pursue the compensation you need from the insurance companies to move forward. Your attorney can also explain the different types of claims available that you are able to file and can build a strong case to maximize your potential settlement.

Here, we will share a brief overview of the types of auto insurance claims you can file and how a skilled personal injury attorney can help you prepare one.

Filing A Liability Insurance Claim After A Car Accident

When you are involved in a car accident with a driver who carries liability insurance, you can file a claim against that driver’s policy. This is often called a “third-party” insurance claim, since you do not have a contract with the other driver’s insurer.

When you file a third-party claim, your auto accident lawyer will contact the other driver’s insurance company to initiate the claims process. When the claim is set up, your lawyer will provide the necessary documentation in effort to get the insurance company to accept insurance coverage and liability. This may include the following types of information and evidence:

Names and contact information of eyewitnesses to the incident;
The accident report;
Video footage of the accident scene;
Photos of your injuries and the damage to your vehicle;
Receipt for towing and storage of your vehicle;
The name and contact information of your vehicle repair shop.

When you finish treating for your injuries or when it has been determined that you have a permanent injury or require future medical treatment, then your attorney will also provide additional documentation to the insurance company such as medical records, medical bills, permanency reports, lost wages, etc. as it relates to your injuries. This process often involves a series of negotiations between your attorney and the claims adjuster. A skilled personal injury attorney will work hard to ensure you are not pressured into settling for less than you deserve.

Filing An Uninsured Motorist Claim

Wisconsin law requires all motorists to purchase liability insurance. Nonetheless, there are many drivers out there who can’t afford - or don’t bother to apply for - auto insurance. If you are hit by an uninsured driver, you will likely have to turn to your own insurance to pay for your damages. This is referred to as a "first party" insurance claim as it is against your own insurance company.

The State requires all drivers to carry minimum uninsured motorist coverage of $25,000 per person and $50,000 per accident for personal injuries. This coverage will pay for damages that you sustained when hit by an uninsured motorist.

However, this type of coverage does not pay for property damage to your vehicle. Property damage would be handled through the collision coverage portion of your policy.

Filing A Claim For Underinsured (UIM) Motorist Coverage

Although Wisconsin law imposes minimum requirements for uninsured motorist coverage, it is not mandatory to purchase underinsured motorist (UIM) coverage in our State.

UIM coverage provides an increased amount of coverage if you are injured in an accident caused by a motorist who was underinsured. UIM coverage increases the bodily injury protection if the limits of the at fault party are less than your UIM limits.

Hiring An Attorney After A Car Accident

When you are injured in a car accident, you need diligent, high-quality representation - regardless if you file a third party insurance claim or a claim against your own insurance company.

Milwaukee car accident law firm Natasha Misra Law can help. With a history of helping accident victims recover the compensation they deserve, we stand ready to discuss your case with you. Contact us today for a free consultation.

Natasha Misra

My law practice is dedicated to helping people who have suffered injuries in accidents which were not their fault. Born and raised in Milwaukee, I come from a family of medical professionals. My background and experience help me understand and represent individuals injured in accidents.