Wisconsin's UM/UIM Coverage
Wisconsin requires every auto policy to include uninsured motorist (UM) coverage, and underinsured motorist (UIM) coverage is widely available. UM coverage protects you when an at-fault driver has no insurance or flees the scene; UIM coverage applies when the at-fault driver's limits are too low to cover your injuries. These coverages are often a victim's most important safety net.
When You'll Need It
With many drivers carrying only the minimum, a serious injury easily exceeds the at-fault driver's policy. UM coverage also applies in hit-and-run crashes where the responsible driver is never found. In both situations, you turn to your own insurer — which means your insurer may suddenly act like an adversary, disputing the value of your claim.
Fighting Your Own Insurer
Even though you've paid premiums for UM/UIM protection, your insurer may undervalue or delay your claim. Wisconsin law requires insurers to act in good faith, and a bad-faith refusal to pay a valid claim can expose the insurer to additional damages. Experienced counsel can hold your insurer to its obligations.
Maximizing Your Recovery
Reviewing all available policies — your own, household members', and any applicable umbrella coverage — can uncover additional protection. An attorney can identify every source of recovery, value your claim accurately, and pursue both the at-fault driver and your UM/UIM coverage. Wisconsin's three-year deadline applies, and policy notice requirements can be shorter.
Injured in Wisconsin? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
Your uninsured motorist coverage can step in to compensate you for your injuries.
Coverage that applies when the at-fault driver's policy limits are too low to cover your full damages.
They must act in good faith. A bad-faith denial can expose the insurer to extra liability under Wisconsin law.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Wisconsin attorney.