How Wisconsin Handles Uninsured and Underinsured Drivers (UM/UIM): When Coverage Isn’t Enough

Episode Summary: In this episode of Benson on Injury Law, personal injury attorney Paul Benson and host Leann Lyon delve into the intricacies of uninsured and underinsured motorist coverage in Wisconsin. They discuss the complications that arise when a crash involves a driver without insurance and the critical role of collision coverage in such scenarios. Paul emphasizes the importance of having adequate insurance to cover both property damage and personal injuries, highlighting that one in six accidents in Wisconsin involves an uninsured driver. The conversation also covers the nuances of policy limits, the offset language in Wisconsin insurance policies, and the challenges of collecting judgments from uninsured drivers. Listeners will gain valuable insights into how to protect themselves financially and legally in the event of an accident with an uninsured or underinsured motorist.

Key Timestamps: 00:01 – Introduction 00:22 – Importance of Uninsured Motorist Coverage 00:48 – Challenges with Uninsured Drivers 01:26 – Collision Coverage Explained 02:17 – Injury Claims and Insurance 03:12 – Legal Recourse Against Uninsured Drivers 04:21 – Uninsured Motorist Coverage in Wisconsin 05:29 – Checking Your Insurance Policy 06:22 – Policy Limits and ICU Costs 07:23 – Maximum Medical Improvement 08:59 – Legal Changes and Coverage Awareness 10:23 – Investigating Insurance Coverage 12:03 – Insurance Companies' Duties 14:33 – Bad Faith and Legal Action 16:20 – Final Advice for Listeners

About the Show: Benson on Injury Law is a podcast dedicated to providing listeners with clear and practical insights into personal injury law, focusing on the nuances of insurance claims and legal rights. Hosted by experienced attorney Paul Benson, the show aims to demystify complex legal topics, offering guidance to those navigating the aftermath of accidents. Whether you're dealing with insurance companies or seeking to understand your legal options, this podcast equips you with the knowledge to make informed decisions. With a focus on Wisconsin law, Benson on Injury Law is an essential resource for anyone looking to protect their rights and secure fair treatment.