Uninsured & Underinsured Motorist Coverage

Wisconsin Uninsured & Underinsured Motorist Attorneys

When the at-fault driver who hit you has little or no insurance, you may wonder what to do. If you have automobile insurance, your own uninsured/underinsured motorist (UM/UIM) coverage may be your best path to recovery — but insurers still fight these claims.

Uninsured motorist coverage applies where the at-fault driver has no insurance. Underinsured motorist coverage applies where the at-fault driver does not have enough insurance to cover your claims.

If your own automobile insurance policy has either form of coverage, you can recover under your own policy where the policy of the at-fault driver does not suffice. You can also recover under your policy's UM/UIM coverage where the identity of the at-fault driver is unknown, such as in a hit-and-run.

This process can involve several insurance companies and competing interests. For example, your insurance company often will not simply accept the word of the at-fault driver's insurance company. It will require sworn proof from the at-fault driver regarding any other policies that may apply. We also have experience working independent avenues to verify an at-fault driver's, or their insurance company's, word about insurance coverage.

This is only one example of how these claims can get weedy.

Stanford Law Offices, S.C. pursues full compensation through UM/UIM policies and other available sources when a negligent driver cannot cover your losses.

If you do not have UM/UIM coverage as part of your own policy, or if you were a pedestrian or cyclist legally transporting without automobile insurance at the time you got hurt, we have the experience to recover a judgment against the uninsured or underinsured at-fault driver — and actually collect on it.

If a judgment is recovered and we are able to prove the at-fault driver is uninsured or underinsured, we follow through beyond collection. We file that judgment with the DMV to recover all available remedies, including ensuring the at-fault driver's license is suspended until they file proof of insurance with the DMV.

We represent clients from our Milwaukee office and Fond du Lac office . Call (414) 276-8269 for a free consultation.

My 12-year old nephew was running across the street when he was struck by a motor vehicle traveling approximately 45 mph. the other driver never stopped. The impact was so severe, my nephew's left leg was shattered at a growth plate. Because the fracture was at a growth plate, the left leg ceased growing while the right leg continued to grow. A number of surgeries were discussed in order to have the left leg continue to grow as natural as possible with the right leg. Because the other driver left the scene, we were unaware of the advantages Uninsured Motorist Coverage provides for policy holders. After hiring Stanford Law Offices, we pursued all appropriate remedies under the Uninsured Motorist Laws of Wisconsin and ultimately received sufficient funds to get all the surgeries paid for my nephew, and at the same time, set up a college fund for him. We cannot thank Stanford Law Offices enough for their assistance, guidance and assurance throughout this nightmare.

I was a 37-year-old truck driver when I was involved in a serious truck/automobile accident. My injuries were so severe, I was not able to return to work in any capacity. I hired Stanford Law Offices, S.C. to pursue the Worker's Compensation claim. There were not sufficient funds from the Worker's Compensation claim to make up for my losses. In addition to the Worker's Compensation claim, Stanford Law Offices, S.C. pursued an underinsured motorist claim making up the difference from what I lost and received in Worker's Compensation. If it were not for Stanford Law Offices, S.C. going the extra mile, I would have never been able to make up the difference.

My 12-year old daughter was struck by a hit and run motorist. Her leg was severely damaged to the point it ceased growing. Because the other driver left the scene, I was not aware of the benefits under my own insurance policy for Uninsured Motorist Coverage. Stanford Law Offices recovered sufficient funds to pay for my daughter's medical bills, education and for my husband and me to purchase devices necessary for her to navigate the rest of her life. To this date, my daughter remembers Stanford Law Offices and we often visit.

I was a pedestrian in a parking lot when a truck struck me and took off. We never found the truck. I filed a claim with my insurance company for benefits. My insurance company denied the claim. I hired Peter because the insurance company denied the claim. Stanford Law Offices pursued the uninsured motorist claim, and obtained a result to pay for my low back surgeries, lost wages and the ability to earn as much into the future. My family is able to provide for itself with the assistance of Stanford Law Offices.

I was operating my motor vehicle on a highway when a large truck struck me. The impact caused me to strike the guardrail head-on, at approximately 75 mph. My car flipped three times and I went through the windshield. We hired Stanford Law Offices to pursue the claim. Initially, my insurance company denied the claim. Peter was able to overturn the insurance company's denial and recover the maximum benefits under my policy. There is no way I would have been able to understand my insurance policy, much less navigate the court system without the assistance of Stanford Law Offices.

Common Mistakes To Avoid In a UM/UIM Case

When the at-fault driver lacks adequate coverage, the steps you take matter. As Wisconsin uninsured motorist attorneys, we have seen good people unintentionally hurt their UM/UIM claims. We have summarized several common mistakes that can limit your recovery.

Do not navigate this alone. Insurance companies and defendants have teams working to minimize payouts. We have represented Wisconsin families since 1989 and can help you understand your rights and pursue the recovery your family deserves.

Waiting to hire a lawyer

An immediate letter of preservation to the automobile driver can help preserve important data from the vehicle and any electronics inside the vehicle, including cell phones.

Ignoring whether the driver was working

Document if the at-fault driver is in uniform or working at the time. Even if they do not personally have insurance, their employer may. Experienced counsel gets creative to find applicable recovery coverage.

Losing eyewitnesses

Gather contact information of all eyewitnesses who come to the scene. Experienced counsel will then interview and obtain statements.

Giving a statement without counsel

Do not give any statements without counsel. Words will be minced and twisted.

Skipping medical care

Do not skip medical care or allow any gaps in your treatment. Your health comes above all else, and it strengthens your case to boot.

Posting about your case on social media

NEVER post about your case or your injuries on social media. Even if you think it will help or make you look serious about your pain, trust us, it will not.

Contact Us About Your Uninsured & Underinsured Motorist Coverage Case

If you or a loved one needs help with a uninsured & underinsured motorist coverage matter, contact Stanford Law Offices, S.C. We serve clients across Wisconsin from offices in Milwaukee and Fond du Lac, and handle matters in other jurisdictions when appropriate.

Call (414) 276-8269 — available 24 hours a day.

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