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Why You Should Buy More than the Minimum Uninsured Motorist Coverage

To legally drive in Wisconsin, you must carry valid insurance that covers not only any injuries and property damage, but also any injuries or property damage another driver causes you if they’re uninsured. It doesn’t seem fair to have to pick up the slack of uninsured drivers, but without it, countless Wisconsin motorists would be out of luck after crashes involving drivers who don’t have minimum—or any—auto insurance coverage.

Around 13% of all Wisconsin drivers are uninsured at any given time. That means you have greater than a 1 in 10 chance of having no easy recourse to pay for your medical bills and lost wages after a crash—even if it wasn’t your fault! But by adhering to Wisconsin’s uninsured motorist coverage requirement, you’ll have access to a minimum of $25,000 per person in your vehicle and $50,000 per accident.

But carrying the minimum amount of coverage doesn’t always go very far in auto accident claims. You may quickly burn through that amount in your initial medical bills alone, and then you’ll still be on the hook for additional medical treatments and lost wages. Upping your coverage to at least twice the minimum typically doesn’t increase your monthly premiums by much, but it can create a much bigger safety net if you’re hurt in a crash with an uninsured driver.

Unfortunately, getting compensation from your insurer can be just as difficult as getting it from the other driver’s insurer, but that’s where we come in. At Brian Hodgkiss Injury Law, our Appleton auto accident attorneys work hard to ensure insurance companies live up to their ends of the bargain. Contact us today for a free consultation after a crash that wasn’t your fault.

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