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 are involved in an automobile accident in Wisconsin, the at-fault or negligent driver is responsible for any damages or injuries. A personal injury claim will help you recover the related medical expenses, but these lawsuits can take time. Sometimes, accident victims will delay treatment for accident-related injuries until the case settles to avoid any out-of-pocket costs, but this can lead to aggravated injuries and unnecessary discomfort. 

So, how can you pay for accident-related medical costs before you recover damages from a lawsuit? Here is what you need to know:

What is Medical Payments Coverage?

Your automobile insurance policy may come with medical payments coverage, also known as med pay. This insurance covers medical costs for you or a family member injured in an automobile accident or as a pedestrian injured by an automobile.  Regardless of who is at fault, medical payments coverage pays for accident-related medical costs for any passengers in the policyholder’s vehicle, even if there is no familial relation.

Can You Bill Your Own Health Insurance Company?

Yes. In fact, submitting medical bills to your own health insurance company can save you from annoying bill collection calls, past due notices, and other headaches. Health insurance companies often pay medical providers at a discounted rate. This means your insurer will likely pay less than the amount you are billed. Ultimately, the at fault party will still be held accountable for your medical expenses, and your health insurance will be subrogated or paid back from the settlement with the at fault party.

How Can A Letter of Protection Sent to My Insurance Provider Help with Medical Payments?

A Letter of Protection notifies your medical provider that your medical bills are the subject of ongoing litigation and assures that upon resolution of the case, any outstanding medical debt will be satisfied. Typically, a Letter of Protection from your lawyer will result in an agreement from medical providers to cease collection efforts until the case is resolved.

How Can My Attorney Help Me Manage My Medical Bills Until My Case Settles?

If you have health insurance or auto insurance with medical payments coverage, an attorney can assist you in submitting your medical bills using your own insurance to manage your accident-related medical expenses. Once your accident case settles, both you and your insurance company will be repaid with settlement funds. However, if you do not have insurance, a Letter of Protection from your attorney may be enough to keep your provider from sending outstanding balances to collections until your case settles. Talk with your personal injury attorney to find out the best way to manage your accident-related medical expenses.

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.