[[{"@context":"http:\/\/schema.org","@type":"BlogPosting","datePublished":"2024-07-26","wordCount":543,"url":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/","mainEntityOfPage":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/","description":"Car accidents can result in painful and disruptive injuries, expensive medical bills, and lost income. In Wisconsin, motorists must purchase auto insurance to cover these types of losses. But how do you know whose insurance company will pay if a crash occurs? The answer varies based on the circumstances of the collision. If you\u2019ve been hurt, an experienced car accident lawyer can explain how insurance applies to your case. Who Pays After a Car Accident in Wisconsin? Wisconsin law requires drivers to have liability insurance coverage to pay for injuries and other losses they cause in an auto collision. After [\u2026]","name":"Whose Insurance Pays in a Car Accident?","headline":"Whose Insurance Pays in a Car Accident?","articleBody":"Car accidents can result in painful and disruptive injuries, expensive medical bills, and lost income. In Wisconsin, motorists must purchase auto insurance to cover these types of losses. But how do you know whose insurance company will pay if a crash occurs? The answer varies based on the circumstances of the collision. If you\u2019ve been hurt, an experienced car accident lawyer can explain how insurance applies to your case.Who Pays After a Car Accident in Wisconsin?Wisconsin law requires drivers to have liability insurance coverage to pay for injuries and other losses they cause in an auto collision. After a crash, the insurance companies for each involved party will investigate to determine who was at fault. If there are no disputes over fault, the at-fault driver\u2019s insurer pays for the injured party\u2019s losses up to the limits of the policy.There are also optional insurance policy add-ons that can provide further coverage to the policyholder.Types of Car Insurance CoverageA Wisconsin auto insurance policy may include many types of coverage, such as:Liability InsuranceState-mandated liability insurance covers damage a driver causes to others in an accident. The minimum liability insurance requirements for Wisconsin are:$25,000 for the injury or death of one person$50,000 for the injury or death of more than one person$10,000 for property damageUninsured\/Underinsured Motorist Coverage (UM\/UIM)Uninsured\/underinsured motorist coverage protects you if you get hurt in an accident with a driver who has no insurance or insufficient coverage. UM\/UIM insurance can cover your medical bills, lost wages, and other losses if the at-fault driver cannot pay. It also covers you if you are the victim of a hit-and-run accident.Medical Payments Coverage (MedPay)Medical payments coverage (MedPay) helps cover medical expenses for you and your passengers after an accident, regardless of who caused the crash. These payments can include hospital bills, surgery, X-rays, funeral costs, and other expenses.How Is Liability Determined?Wisconsin is a fault state for car accidents, meaning the at-fault party and their insurance company pay for the accident victim\u2019s medical bills, lost wages, and other losses after a collision.Because Wisconsin uses a fault-based system for auto accidents, you need compelling evidence to show the other driver caused the accident. Wisconsin car accident attorneys play a vital role in collecting this evidence and organizing it into a compelling personal injury claim demanding maximum compensation.Insurance Company NegotiationsMost car accident cases in Wisconsin settle rather than go to trial. A fair settlement comes through negotiations with the insurance company for a sum that reflects the full extent of your losses. It\u2019s crucial to work with a capable car accident attorney who can place an accurate value on your case and push aggressively for a result that account for your past expenses and ongoing needs.What Insurers Don\u2019t Want You to Know After an AccidentTalk to a Wisconsin Car Accident Lawyer NowLawtonCates is a premier personal injury firm serving clients in South-Central Wisconsin. For more than 60 years, our firm has successfully helped accident victims recover meaningful compensation that makes a difference in their lives. Call or contact us today for a free consultation with one of our proven Wisconsin car accident attorneys.","about":"Accidents and Personal Injury","dateModified":"2025-02-27","author":{"@type":"Person","image":{"@type":"ImageObject","url":"https:\/\/secure.gravatar.com\/avatar\/2f34718d3c46ee2833d3ccf83f7221a0?s=96&d=mm&r=g","height":96,"width":96,"@id":"https:\/\/secure.gravatar.com\/avatar\/2f34718d3c46ee2833d3ccf83f7221a0?s=96&d=mm&r=g"},"url":"https:\/\/www.lawtoncates.com\/blog\/author\/lawtoncates\/","name":"LawtonCates","identifier":7,"@id":"https:\/\/www.lawtoncates.com\/blog\/author\/lawtoncates\/#Person"},"video":[{"@type":"VideoObject","name":"How to Cover Medical Bills After a Car Accident #autoaccidentlawyer #automobile #injurycompensation","publisher":"https:\/\/www.youtube.com\/channel\/UCf7ismQHST-VKSCvsz2w3SA#Organization","description":"Had a car accident and wondering how to handle your medical expenses? This video by Lawtoncate covers everything you need to know about getting your car accident medical bills paid. Learn about insurance claims, dealing with liability, and steps to ensure you're financially protected. Watch now for detailed guidance and expert tips! Don\u2019t forget to like, comment, and subscribe for more legal advice.","potentialAction":"https:\/\/www.youtube.com\/watch?v=3Wwx0z_zHL4#VideoObject_potentialAction","duration":"PT2M5S","contentUrl":"https:\/\/www.youtube.com\/watch?v=3Wwx0z_zHL4","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/3Wwx0z_zHL4\/maxresdefault.jpg","https:\/\/i.ytimg.com\/vi\/3Wwx0z_zHL4\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/3Wwx0z_zHL4\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/3Wwx0z_zHL4\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/3Wwx0z_zHL4\/default.jpg"],"uploadDate":"2024-12-10T16:40:27+00:00","embedUrl":"https:\/\/www.youtube.com\/embed\/3Wwx0z_zHL4","interactionStatistic":"https:\/\/www.youtube.com\/watch?v=3Wwx0z_zHL4#VideoObject_interactionStatistic_WatchAction","@id":"https:\/\/www.youtube.com\/watch?v=3Wwx0z_zHL4#VideoObject"},{"@type":"VideoObject","name":"Why You NEED Uninsured & Underinsured Motorist Coverage #motorcycleaccidentattorney","publisher":"https:\/\/www.youtube.com\/channel\/UCf7ismQHST-VKSCvsz2w3SA#Organization","description":"Accidents happen, and sometimes the at-fault driver doesn't have enough insurance\u2014or any at all. This video explains why uninsured and underinsured motorist coverage is vital for protecting yourself and your loved ones. Discover the risks of driving without this coverage and how it can shield you in worst-case scenarios. Watch now to stay prepared and informed!","potentialAction":"https:\/\/www.youtube.com\/watch?v=rIwj3EdAfsk#VideoObject_potentialAction","duration":"PT48S","contentUrl":"https:\/\/www.youtube.com\/watch?v=rIwj3EdAfsk","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/rIwj3EdAfsk\/maxresdefault.jpg","https:\/\/i.ytimg.com\/vi\/rIwj3EdAfsk\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/rIwj3EdAfsk\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/rIwj3EdAfsk\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/rIwj3EdAfsk\/default.jpg"],"uploadDate":"2025-02-27T07:33:32+00:00","embedUrl":"https:\/\/www.youtube.com\/embed\/rIwj3EdAfsk","interactionStatistic":["https:\/\/www.youtube.com\/watch?v=rIwj3EdAfsk#VideoObject_interactionStatistic_LikeAction","https:\/\/www.youtube.com\/watch?v=rIwj3EdAfsk#VideoObject_interactionStatistic_WatchAction"],"@id":"https:\/\/www.youtube.com\/watch?v=rIwj3EdAfsk#VideoObject"},{"@type":"VideoObject","name":"What Insurers Don\u2019t Want You to Know After an Accident","publisher":"https:\/\/www.youtube.com\/channel\/UCf7ismQHST-VKSCvsz2w3SA#Organization","description":"Insurance companies often prioritize their bottom line, but you deserve what's fair after an accident. This video uncovers the secrets insurers may keep from victims, helping you understand your rights and protect your claim. Empower yourself with the must-know information they\u2019d rather you didn\u2019t have. Click to watch and take charge of your case!","potentialAction":"https:\/\/www.youtube.com\/watch?v=U-Apywm7PMU#VideoObject_potentialAction","duration":"PT46S","contentUrl":"https:\/\/www.youtube.com\/watch?v=U-Apywm7PMU","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/U-Apywm7PMU\/maxresdefault.jpg","https:\/\/i.ytimg.com\/vi\/U-Apywm7PMU\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/U-Apywm7PMU\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/U-Apywm7PMU\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/U-Apywm7PMU\/default.jpg"],"uploadDate":"2025-02-27T07:36:18+00:00","embedUrl":"https:\/\/www.youtube.com\/embed\/U-Apywm7PMU","interactionStatistic":["https:\/\/www.youtube.com\/watch?v=U-Apywm7PMU#VideoObject_interactionStatistic_LikeAction","https:\/\/www.youtube.com\/watch?v=U-Apywm7PMU#VideoObject_interactionStatistic_WatchAction"],"@id":"https:\/\/www.youtube.com\/watch?v=U-Apywm7PMU#VideoObject"}],"publisher":{"@type":"Organization","logo":{"@type":"ImageObject","url":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/03\/lawtoncates-logo.png","height":73,"width":438,"@id":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/03\/lawtoncates-logo.png"},"name":"LawtonCates, S.C.","@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#Organization1"},"image":{"@type":"ImageObject","url":"http:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/07\/Untitled-design-2024-07-26T132605.000.png","height":200,"width":300,"@id":"http:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/07\/Untitled-design-2024-07-26T132605.000.png"},"@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#BlogPosting"},{"@context":"http:\/\/schema.org","@type":"LikeAction","@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#LikeAction3"},{"@context":"http:\/\/schema.org","@type":"LikeAction","@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#LikeAction6"},{"@context":"http:\/\/schema.org","@type":"WatchAction","@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#WatchAction2"},{"@context":"http:\/\/schema.org","@type":"WatchAction","@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#WatchAction4"},{"@context":"http:\/\/schema.org","@type":"WatchAction","@id":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#WatchAction5"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.lawtoncates.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Whose Insurance Pays in a Car Accident?","item":"https:\/\/www.lawtoncates.com\/blog\/whose-insurance-pays-in-a-car-accident\/#breadcrumbitem"}]}]