Wisconsin requires uninsured motorist coverage of at least $25,000 per person and $50,000 per accident; underinsured motorist coverage is also widely carried. If you carry these coverages, your own policy can step in when the at-fault driver can't pay.
Wisconsin's Coverage Requirements
How UIM Fills the Gap
Underinsured motorist coverage applies when the other driver has some insurance but not enough to cover your damages. Your UIM coverage can make up the difference up to your policy limit.
These claims pit you against your own insurer, which has a financial incentive to minimize payment — a common surprise for injured drivers.
Why These Claims Get Complicated
Stacking rules, reducing clauses, and notice requirements all affect what you can collect. An attorney who knows Wisconsin UM/UIM law can keep your insurer honest.
This article is general information, not legal advice. Injury Claim Team is a free attorney-matching service, not a law firm. For advice about your specific situation, talk to a licensed Wisconsin attorney — we'll connect you at no cost.