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Uninsured and Underinsured Driver Accident Claims and Injuries

Never go into a Courtroom Alone!

1 in 8 drivers breaks the law by not carrying any form of liability insurance. A large percentage of the other drivers follow the law, but are squeezed financially and try to save money by getting the bare minimum amount of coverage allowed by the law.

As medical costs skyrocket the need for uninsured and underinsured claims rises. They are no more straightforward than any other part of automobile accident cases. 

How uninsured motorist (UM) and underinsured motorist (UIM) coverage works.

If you’re following the law you’ve got UM. Wisconsin law requires you to carry at least $25,000 in coverage per person, and at least $50,000 per accident for the injury.  If the other driver in an accident has no insurance, you’ll make a recovery claim against your policy.

UIM coverage is optional. It’s the coverage you use if the other motorist’s coverage limits are insufficient to pay your claim. We recommend all drivers purchase this coverage if you can afford to do so.

This is something not everyone understands about personal injury: insurance companies only pay out to policy limits. Thus, if the other motorist has $100,000 of coverage and the settlement is $120,000, the other driver would theoretically be responsible for the other $20,000.

Unless that driver is independently wealthy you’d be unlikely to ever see that money. In that your UM/UIM makes up the difference, so you get paid and the other driver isn’t ruined financially. 

Your car insurance company is not your friend.

Your own car insurance company won’t care that you’ve been faithfully paying your insurance premiums all these years. They’ll still look for reasons to reduce the amount they have to pay.

They may try to nudge you into making statements that reduce their liability, or ask you to sign paperwork that reduces your claim. Regardless of the status of the other driver it’s wise to let your attorney handle both insurance companies. Your attorney can both file claims on your behalf and handle communications with both companies. That keeps you from making the kinds of mistakes that can weaken your case and reduce your recovery amounts.

Talk to an attorney today.

If you’ve been involved in a car accident, contact the attorneys at Kaehne, Cottle, Pasquale, and Associates. Consultations are free, and we’re happy to tell you whether you have a case that requires our help. We can make sure you get the compensation you deserve, regardless of the other driver’s insurance status.

Our Results

Find out what our trial-tested defender can achieve.

Beyond Expectations

My husband had never been in any legal trouble before and we didn’t know what to do or what the process was. Attorney Kaehne was very upfront and willing to explain every step of the way. My husband can be very skeptical when it comes to trusting people with his best interest, but Attorney Kaehne always remained professional and helpful. My husband was facing the possibility of years in prison and Attorney Kaehne was able to get the matter dismissed. He will always be our first choice!

The Outcome was Far Better than I Expected

Attorney Kaehne always communicated with me on what was going on and his plans for future court appearances. The outcome of the case was far more better than I expected and am really pleased that Chad did what he did to get this issue resolved.

Treated like Family

Amazing people as well as amazing attorneys. I was always treated like family.

Not Guilty Verdict

Attorney Corey Mehlos gave my case the upmost attention. He worked very hard and many long hours on it. I was impressed with his dedication and his understanding to my wishes. Not Guilty verdict at my jury trial. I highly recommend him.

In Good Hands

One of the best things about this firm is that they are truly advocates for you in every sense of the word. They listen, affirm, and explain everything without all the jargon that can so often times come with anything regarding the legal cases. I felt supported and knew I was in good hands.

Getting Responses at 9:00 pm at Night

The best lawyer you can hire for your case! Chad was extremely helpful and polite in answering all of my questions. I was even getting responses to my emails at 9 at night. He did a great job helping me get through the legal process. I recommend him to anyone needing a good lawyer.

Keen Sense of Justice and Honesty

Amaro is a very efficient attorney with extensive knowledge of the hispanic culture and language. He has a keen sense of justice and honesty. For the years I have know him he has proven to be a source of counsel. His clients will find his humble and cordial demeanor, appealing and refreshing. This is why I would recommend Amaro to everyone looking for legal advice.

Never Stops Working

An excellent attorney. Nicholas was very helpful with our case. He excelled at explaining complex legal concepts. Very accessible, we never had an issue getting an answer to a question. I don't think he stops working. Highly recommended.

Passion and Understanding for her Clients' Wishes

Attorney Cottle helped with my immigration case, she made the whole process much less stressful and you could tell she had a passion and understanding for her clients' wishes. Great experience, would highly recommend!

Available and Responsive to Needs of her Clients

Attorney Laborde shows professionalism in everything she does. She is a thorough lawyer who honestly cares about her clients and represents them to her full ability. She makes herself available and is responsive to the needs of her clients. I would certainly recommend her family law services!

Over-the-Top Attorney

From my experience, Attorney Kelsi Cottle has been an over-the-top attorney. She keeps me apprised of my case, has answered my questions, and treats me with respect. She has been very efficient, handles things expediently, and I feel I am represented by a very sharp attorney who has my best interest in mind.