If you’ve been in a car accident in Milwaukee, Appleton, Waukesha, or Oshkosh, you might be wondering: Should I contact an attorney now or wait until the accident report is ready? It’s tempting to hold off, especially when reports often take 7-14 days—or even longer—to finalize. 

But here’s the truth: waiting can hurt your case. The car accident attorneys at Natasha Misra Law are here to let you know more about what you should do while the report is being created, and how legal support can make all the difference. 

How the Accident Report Fits Into Your Case

The accident report is a key document, and it’s important to know what it includes—and doesn’t include:

  • The Basics: Details about the location, time, and parties involved in the crash.
  • The Officer’s Observations: The responding officer may note the conditions at the scene, statements from drivers and witnesses, and potential causes of the accident.
  • Liability Notes: The report may include the officer’s opinion on who was at fault—but it’s not the final say.

However, accident reports aren’t always perfect. Errors or missing details can occur, and if you don’t have an experienced attorney reviewing the report, these inaccuracies can hurt your claim. At Natasha Misra Law, we review accident reports carefully, flag any errors, and work to correct them quickly. 

The Accident Report Is Just One Piece of the Puzzle

While the accident report is an important investigative tool, it’s far from the only evidence your case relies on. Waiting for it means losing valuable time to collect:

  • Witness Statements: People’s memories fade fast, and key details could be lost.
  • Scene Evidence: Skid marks, debris, or vehicle damage may disappear within days.
  • Footage or Photos: Surveillance videos or dashcam recordings can be overwritten or erased.

We’ll handle the accident report for you, and we’ll get to work preserving evidence and building the strongest possible case.

What to Do If the Insurance Company Contacts You Before You Have the Report

Insurance companies don’t wait for accident reports—they move fast to protect their interests. If an adjuster calls you soon after the accident, they may:

  • Pressure you into giving a recorded statement that could be used against you.
  • Offer a lowball settlement before you know the full extent of your injuries.
  • Ask you to sign paperwork that could waive your right to future compensation.

Here’s what you should do:

  • Avoid Making Statements: Keep your conversation brief and do not provide a recorded statement until consulting an attorney.
  • Don’t Sign Anything: Wait until you’ve spoken with an attorney who understands your rights.
  • Call Us Right Away: Natasha Misra Law will handle all communications with the insurance company so you don’t have to.

Act Now With Natasha Misra Law to Protect Your Rights and Your Claim

Accident reports are important, but they take time—and time isn’t on your side when it comes to building a strong case. By reaching out to us right away, you’re giving yourself the best chance to secure the compensation you deserve.

We focus on getting you back on your feet—physically, emotionally, and financially. From the moment you call, we’ll take the burden off your shoulders so you can focus on healing while we handle the rest. Don’t let delays cost you your claim. Contact Natasha Misra Law today and let us fight for you—because you deserve more than just another suit.

If you have been injured in a car accident, you may wonder how to manage the resulting medical bills. Because Wisconsin is an at-fault state, the driver responsible for the accident is responsible for your related expenses including medical bills. However, this usually requires filing a personal injury claim which means payment for your medical bills will typically not occur until the lump-sum settlement or resolution of your case.

To ensure you get the treatment you need without delay, medical payments coverage under your own auto insurance policy may be sufficient to cover your initial medical bills. You can also have medical providers bill your health insurance to cover you now and your health insurance can recover costs from the settlement award later.

But, what if you are not covered by health insurance at the time of the accident? Do you have to pay for accident-related medical expenses out of pocket if you don’t have insurance?

Between letters of protection, liens, Medicaid, and payment plans with the hospital, you have options to make sure you receive the treatment you need while your case is ongoing, despite not having insurance to cover the expenses in the interim.

What Are Letters of Protection?

If you do not have insurance or sufficient funds to pay for medical treatment after an accident, a letter of protection can help stop collections efforts until your case is resolved.

A letter of protection is a guarantee from your lawyer to a doctor or medical provider whereby your lawyer agrees to ensure that the doctor will be paid for medical treatment provided to you from money recovered from the at fault party as the result of a personal injury claim.

Will Medicaid Help Cover Medical Expenses?

Yes. If you are injured, Medicaid will cover any medically necessary treatment per your policy. Just like private health insurance, Medicaid will then recover any payments made for accident-related treatment from any settlement proceeds with the auto insurance for the at-fault party. For more information about what expenses are covered under Medicaid, visit forwardhealth.gov.

What is A Hospital Lien?

Used less frequently, hospital liens allow the hospital where you were treated for accident-related injuries to have priority in recovering payment from the settlement of your related personal injury case.

State law allows hospitals to file a lien when treating patients whose injuries may be the subject of a personal injury lawsuit. Wisconsin Statute §779.80(1) states that hospitals shall have a lien for services provided to a person with injuries caused by the negligence, wrongful act, or tort of any other person.

How Can A Personal Injury Attorney Help Me Pay My Medical Bills?

A personal injury attorney can communicate with the at-fault driver’s insurance company, healthcare providers, and other interested parties to obtain evidence and negotiate the best possible settlement. Moreover, a personal injury attorney provides peace of mind that your medical bills will not spiral out of control as you seek compensation for your injuries.

At Natasha Misra Law, we will look at your medical bills and assist you in managing your medical bills until the time that you receive compensation from the auto insurance company. We will work with your medical providers, and insurance carriers if applicable, and relieve you of any financial burden you may be experiencing as the result of an accident.

Our team will focus on your financial recovery and ensure that your medical providers are compensated, so you focus on your physical recovery.

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.