Car accidents are more common than you think. Despite various safety measures, car crashes claimed 42,514 lives and cost $340 billion in 2022 across the US.
Being in a car crash is stressful under any circumstance. But finding yourself in an accident without insurance can make an already tense situation even more complicated. Still, only 14% of motorists, or about one in seven drivers in the US, had auto accident insurance in 2022.
Whether you’re at fault or not, navigating the aftermath of a car accident can be a maze of legal, financial, and emotional challenges. In this quick read, we’ll help you understand:
- What happens when you don’t have auto accident insurance?
- And what steps you can take to protect yourself.
- How can an auto accident attorney help you?
The Legal Requirements for Auto Insurance in Wisconsin
Most states require drivers to have auto accident insurance. Wisconsin, for instance, is a fault state for car accidents, meaning the at-fault driver is responsible for the damages of the other drivers involved. The state requires drivers to carry liability insurance to cover damages or injuries caused to others in an accident.
So, you’ve got to get a minimum liability coverage that includes:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage
Failing to have auto accident insurance not only puts you at financial risk but also exposes you to penalties like fines, license suspension, and even potential lawsuits. If you’re driving uninsured, it’s crucial to understand the potential consequences.
What Happens When You’re at Fault
If you’re at fault in an accident and uninsured in Wisconsin, the consequences can be severe. The state law mandates that the at-fault driver is responsible for all damages resulting from the accident.
This means you’ll be liable for:
- Medical Expenses: You will be held responsible for the medical bills of anyone injured in the accident. Wisconsin hospitals and healthcare providers may pursue payment directly from you, which can lead to financial strain.
- Property Damage: Any damage to the other driver’s vehicle or property will have to be paid out of your pocket. In Wisconsin, the average repair costs can run in the thousands, especially for newer vehicles.
- Legal Costs: The injured party may file a lawsuit to recover their losses. This can result in additional legal fees and a court order requiring you to pay compensation. You might also be asked to pay the lawyer’s fees for the injured party.
If you find yourself in this situation, call a Wisconsin auto accident attorney immediately. They can help you negotiate settlements, reduce your financial liability, and navigate the legal system.
What Happens When You’re Not at Fault
If you’re uninsured and not at fault for the accident in Wisconsin, you still face a few challenges:
- Limited Compensation: Wisconsin does not have a “no pay, no play” law, but being uninsured can complicate your ability to recover damages. You may need to prove the other driver’s negligence and the extent of your losses.
- Legal Penalties for Uninsured Driving: Regardless of fault, driving without insurance is a violation of Wisconsin law. You could face fines and other penalties even if you did not cause the accident.
- Challenges with the At-Fault Driver’s Insurance: The at-fault driver’s insurer may scrutinize your claim more closely if you lack insurance. However, an auto accident attorney can help ensure you receive fair compensation.
Penalties for Driving Without Auto Accident Insurance in Wisconsin
If you’re caught driving without insurance in Wisconsin, you could face:
- Fines: Uninsured drivers may be fined up to $500 (first offense) for operating a vehicle without proof of insurance.
- License Suspension: Your driver’s license could be suspended until you provide proof of insurance.
- SR-22 Requirement: To reinstate your license, you might need to file an SR-22, which proves you have the state-required minimum insurance coverage.
Steps to Take After an Accident Without Insurance in Wisconsin
If you’re involved in an accident in Wisconsin and don’t have auto accident insurance, here’s what you should do:
- Stay calm and assess the situation. Check for injuries and call 911 if anyone needs medical attention. Remain at the scene until law enforcement arrives.
- Exchange your contact and vehicle details with the other driver and collect theirs. Avoid admitting fault, as this could affect legal proceedings.
- Take photos of the scene, the vehicles involved, and any visible injuries. Gather witness contact information, if available.
- Wisconsin law requires a police report for accidents involving significant property damage, injuries, or fatalities. The report will be crucial for legal and insurance claims.
- Call a car accident attorney in Wisconsin as soon as possible. They can guide you through the legal process, help mitigate penalties, and advocate for your rights
How a Wisconsin Auto Accident Attorney Can Help
Whether you’ve had insurance or not, dealing with the aftermath of a car crash is easier said than done. You should consult an auto accident attorney immediately to help you navigate the legal system.
A skilled attorney can:
- Negotiate Settlements: If you’re at fault, they can work to minimize the amount you owe.
- Defend You in Court: Should you face legal action, an attorney will represent your interests.
- Pursue Compensation: If you’re not at fault, they’ll help you recover damages from the at-fault driver’s insurance company.
- Advise on Legal Obligations: Your attorney can guide you through the steps to reinstate your license and comply with Wisconsin’s insurance requirements.
Final Thoughts
In Wisconsin, a car crash without insurance is a challenging situation. You might face fines, legal issues, and out-of-pocket expenses. However, with the right steps, you can get through this and prevent getting into a similar situation again. Additionally, you should get legal support from a skilled car accident attorne
