On this week’s Fond du Lac Car Insurance Q&A, we’ll be addressing what happens when an uninsured driver hits your car.
WISCONSIN: AN AT-FAULT STATE
In Wisconsin, when two cars have an accident together, the police will determine one of the parties to be at-fault. The at-fault party will be responsible for all damages, both bodily and property. This is really where insurance steps in and pays the bills for the driver. The driver will then have a tarnished insurance record, which will affect monthly premiums.
AN UNINSURED DRIVER RAN A RED LIGHT. NOW WHAT?
Now you have $5,000 damages to your car, medical bills totaling $20,000 and lost wages totaling $900.
- Your Uninsured Motorist Coverage acts in place of the other party’s insurance for bodily damages, up to your limit.
- Your Collision Deductible will be what you pay to get your car repaired.
- You can then sue the uninsured driver to get your collision deductible back.
BAD WAY – You sue the uninsured driver for $25,900 and, if you win, try to collect this money from them. Generally, uninsured drivers don’t have the assets for a large payout and actually collecting can be a challenge.
GOOD WAY – You have good car insurance and sue the uninsured driver for your $500 collision deductible. Collecting $500 is much easier than collecting $25,900.