Car Accident Injuries Requiring Surgery: Wisconsin's Liability Law
Milwaukee Personal Injury Law Firm Fights For Full Restitution
Every year, hundreds of drivers are in Wisconsin are seriously injured in auto accidents. All too often, the results are life-changing. Besides dealing with issues like chronic pain and both mental and physical impairment, it’s quite possible for an accident victim to be financially wiped out by medical expenses.
To get an idea of how this is possible, you need to understand Wisconsin’s liability insurance law.
Drivers in Wisconsin are required by law to carry liability insurance, which is used to cover injuries sustained in an auto accident (either by the policy holder or by occupants of another vehicle. Unfortunately, the minimum coverage required by Wisconsin law falls far short of the actual expenses incurred as a result of a serious accident—which is why auto accident attorneys in Milwaukee are so often needed.
In most cases, experienced personal injury attorneys and certified accident investigators are your only chance of recovering extraordinary medical expenses following an auto accident.
Wisconsin’s Minimum Insurance Coverage Requirements Lowered in 2011
The State of Wisconsin revised their auto insurance laws in October of 2011, lowering the minimum coverage required by motorists to the following:
- $25,000 for each person injured in a crash (lowered from $50,000 per person)
- $50,000 for each accident where more than one person is injured (lowered from $100,000)
- $10,000 for property damage in each accident
- Uninsured motorist coverage of $25,000 per person and $50,000 per accident for injury liability.
Also, worth noting: Wisconsin dropped the previously required Underinsured Motorist Coverage, which used to have a minimum of $100,000 per person and $300,000 per accident. Now if you opt to purchase this coverage, limits are just $50,000 per person and $100,000 per accident.
Serious Auto Accident Injuries Easily Exceed the Amounts Paid with Minimum Coverage
Here’s a quick list of the most common auto accidents requiring surgery:
- Brain injuries
- Knee injuries
- Back and spinal cord injuries
- Internal injuries
- Broken bones and fractures
These injuries require not only highly-trained medical specialists, but also considerable follow-up care. There may also be multiple surgeries required. The cost for all of this adds up fast. As you can imagine, $25,000 of coverage will barely put a dent on the cost of a complicated brain or spinal cord injury.
Determining Fault in an Auto Accident Case
Wisconsin is an “at fault” insurance state. This means that before a motorist can be held liable for another driver’s injuries, fault for the accident must be established. Usually, the police report from the accident scene identifies the at-fault driver. This is why it is so important to make sure police are called to an accident scene.
Although usually regarded as the final word, police reports can be called into question. To do so, however, requires serious investigation. Not many law firms are willing, or even able, to take this step. With a certified accident investigator on staff, Warshafsky Law is prepared for anything.
Identifying Other Liable Parties Essential to Securing Maximum Compensation
With the costs of surgeries and medical care skyrocketing, it is virtually impossible to get full restitution through insurance companies when there has been serious injury. This is where experienced personal injury attorneys and accident investigators make a difference.
Identifying other parties who may have had a contributing role in the accident—such as a construction company working in the area at the time of the accident—can make the difference between being fully compensated for your injuries and being left with a huge hospital bill.
As one of the few personal injury law firms in Wisconsin to have a certified accident investigator on our team, Warshafsky Law is uniquely positioned to uncover additional sources of liability other law firms would never be able to identify.