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Nicolet Law managing attorney Russell Nicolet

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Auto Insurance 101 - Know What's In Your Policy

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Auto Insurance 101 - Know What's In Your Policy

Car insurance agent examining damaged car after an accident, client signing report

Uninsured / Underinsured Coverage

It's important to know how much uninsured ("UM") and underinsured ("UIM") coverage you have in your auto insurance policy. When somebody causes an accident and injures another person, it is usually the at-fault driver's liability or bodily injury ("BI") coverage that compensates the injured victim.

However, what happens if the at-fault driver did not have an active insurance policy at the time of the accident? The victim then needs to look to the uninsured coverage that the victim carries in his or her own auto policy.

Similarly, what happens if the at-fault driver has auto insurance, but the liability limits are insufficient to compensate the victim for the injuries the victim sustained? This is where underinsured coverage comes into effect.

In Wisconsin, the current minimum for bodily injury coverage is $25,000 / $50,000 (per person / per accident). This means that the most one person can recover from an accident against the at-fault driver's auto insurance is $25,000 if the at-fault driver is carrying the minimum BI coverage.

In Minnesota, the current minimum for bodily injury coverage is $30,000/$60,000 (per person/per accident); which means the most one person can recover from an accident against the at-fault driver's auto insurance is $30,000 if the at-fault driver is carrying the minimum BI coverage.

In either situation, a serious auto accident can easily exceed these minimums. That's why it is important to review your auto insurance policy and make sure you are carrying enough underinsured coverage to protect yourself in the event you are hit by somebody carrying the minimum coverage.

Don't place your future in the hands of other drivers on the road, make sure you carry adequate UM/UIM coverage to protect yourself and your family. Insurance coverage can be confusing, but it's good to know what type of coverage you have before an accident occurs. If you're concerned about your insurance coverage, you should talk to your insurance agent or request a copy of your declarations page from your insurance company. Finally, if you have been involved in an auto accident through no fault of your own, you should seek an attorney to assist you in protecting your rights.

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SEE HOW NICOLET LAW MAKES A DIFFERENCE IN OUR CLIENTS’ CASES

CAR ACCIDENT

Result with Nicolet Law 
$1,200,000.00

CAR ACCIDENT

Offer before Nicolet Law
$50,000.00

SEMI-TRUCK ACCIDENT

Result with Nicolet Law 
$700,000.00

SEMI-TRUCK ACCIDENT

Offer before Nicolet Law
$75,000.00

SLIP AND FALL ACCIDENT

Result with Nicolet Law 
$180,000.00

SLIP AND FALL ACCIDENT

Offer before Nicolet Law
$5,000.00

PEDESTRIAN HIT BY CAR

Result with Nicolet Law 
$1,050,000.00

PEDESTRIAN HIT BY CAR

Offer before Nicolet Law
$0.00 - denial

DRUNK DRIVING ACCIDENT

Result with Nicolet Law 
$815,000.00

DRUNK DRIVING VICTIM

Offer before Nicolet Law
$0.00

UTV ACCIDENT

Result with Nicolet Law 
$250,000.00

UTV ACCIDENT

Offer before Nicolet Law
$5,000.00
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Awards & Recognitions

Nicolet Law Office is honored to have been nominated for numerous awards for excellence in service and client satisfaction. Our attorneys have appeared in such prestigious lists as Top 40 Under 40 and Rising Stars. While we’re thankful to have the support of industry peers and independent third-party organizations, nothing beats the feeling of gratitude we share with clients when we can make a positive impact on their lives.

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Contact us today to request a free case evaluation with a dedicated local attorney. With twelve convenient office locations throughout Minnesota and Wisconsin, accessing award-winning legal services has never been easier. If you have a medical condition that prevents you from traveling, we would be happy to meet you at your home or schedule a private virtual consultation.

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12 locations in Wisconsin and Minnesota to serve you

Wisconsin State Icon

Wisconsin Locations:

EAU CLAIRE:

402 Graham Ave.
Suite 305
Eau Claire, WI 54701

Phone: (715) 835-5959
Map & Directions

HUDSON:

517 2nd Street
Unit #205
Hudson, WI 54016

Phone: 715-226-6158
Map & Directions

LA CROSSE:

119 N 19th St S
La Crosse, WI 54601

Phone: 608-527-0876
Map & Directions

NEW RICHMOND:

1500 Madison Ave.
Suite 220
New Richmond, WI 54017

Phone: 715-226-6164
Map & Directions

RICE LAKE:
337 North Main Street
Rice Lake, WI 54868

Phone: (715) 790-1114
Map & Directions

RIVER FALLS:
215 S 2nd St #20
River Falls, WI 54022

Phone: (715) 716-5869
Map & Directions

SUPERIOR:
1200 Tower Ave.
Superior, WI 54880

Phone: (715) 718-2969
Map & Directions

WAUSAU:
408 3rd Street
Suite 303
Wausau, WI 54403

Phone: (715) 716-5092
Map & Directions

Minnesota State Icon

Minnesota Locations:

DULUTH:
306 West Superior Street,
Suite 606 West
Duluth, MN 55802

Phone: (218) 729-0628
Map & Directions

HIBBING:
Howard Court Bldg.
302 Howard Street, Suite 123
Hibbing, MN 55746

Phone: 218-217-0659
Map & Directions

MINNEAPOLIS:
225 South 6th Street
Suite 3900
Minneapolis, MN 55402
Phone: (608) 315-5639
Map & Directions

WOODBURY:
724 Bielenberg Drive
Suite 126
Woodbury, MN 55125

Phone: (651) 815-0017
Map & Directions

Wisconsin and Minnesota’s Local Award-Winning Injury and Disability Attorneys.
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