Getting into a car accident is an unfortunate event that can potentially have devastating effects on your life. Apart from the physical, emotional, and psychological trauma that you may have to endure, you may also face financial challenges since car repairs and medical bills can be costly. However, it is important to understand your rights and responsibilities as a driver in Wisconsin. In this article, we will discuss the car accident laws and what you need to know in case you get into an accident.
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Right to Insurance Coverage
Wisconsin law requires you to have liability insurance coverage of at least $25,000 for injuries to one person, $50,000 for injuries to more than one person, and $10,000 for property damage. This means that if you are the at-fault driver in an accident, your insurance company will cover the costs of damages and injuries up to the limits of your coverage.
Right to Compensation
If you are injured in a car accident due to the negligence of another driver, you have the right to compensation. You can file a personal injury claim against the at-fault driver’s insurance company to recover damages such as medical expenses, lost wages, and pain and suffering. However, Wisconsin follows a comparative negligence rule, which means that the amount of compensation you receive may be reduced if you are found to be partially at fault for the accident.
Responsibility to Stop and Exchange Information
If you are involved in a car accident, you have a legal obligation to stop immediately and exchange information with the other driver(s) involved. You should provide your name, address, phone number, and insurance information. Failure to do so is considered a hit-and-run and can result in criminal charges.
Responsibility to Report the Accident
If the accident results in injury, death, or property damage of $1,000 or more, you must report it to the local police department or Wisconsin State Patrol. You must report the accident within 10 days if the accident caused injury or death, and within 30 days if only property damage occurred.
Responsibility to Provide Assistance
If you are involved in an accident, you have the responsibility to provide assistance to anyone who is injured or in need of help. This includes calling 911, providing first aid if you are trained to do so, and helping to transport injured people to a hospital if necessary.
Responsibility to Cooperate with Insurance Companies
If you are involved in a car accident, you must cooperate with your insurance company and provide them with all the information they need to process your claim. This includes providing information about the accident, the other driver(s) involved, and any witnesses. Failure to cooperate with your insurance company can result in a denial of your claim.
Statute of Limitations
In Wisconsin, there is a statute of limitations for filing a personal injury claim after a car accident. You have three years from the date of the accident to file a lawsuit for personal injury or property damage.
Final Thoughts
Car accidents can be stressful and overwhelming, but understanding your rights and responsibilities can make the process less daunting. Remember to stay calm and exchange information with the other driver(s) involved, report the accident if necessary, and cooperate with your insurance company if you need to file a claim. If you are injured, seek medical attention immediately and consider consulting a personal injury attorney to help you recover damages.