What to Do After an Accident with an Uninsured Driver in Milwaukee

Getting into a car accident is stressful no matter the circumstances, but when the other driver has no insurance, the aftermath can feel even more overwhelming. Even though Wisconsin law requires drivers to carry minimum liability coverage, many still operate vehicles without it. When an uninsured driver causes a crash, recovering compensation for vehicle repairs, medical treatment, and lost income becomes more complicated — but it’s not impossible. As Milwaukee personal injury attorneys, we help clients navigate these situations every day.

If you’re involved in an accident with an uninsured motorist in Milwaukee or anywhere in southeastern Wisconsin, what you do immediately afterward can significantly impact your claim. First and foremost, prioritize safety. Check for injuries and call 911 if anyone is hurt. Even if the collision seems minor, contact law enforcement. A police report creates critical documentation your insurance company — and possibly your lawyer — will rely on later.

While waiting for officers to arrive, gather as much information as you can. Exchange contact information with the other driver, including their name, phone number, and address. Note their vehicle make, model, license plate number, and any unique characteristics. If it’s safe, take photos or videos of the vehicles, the crash scene, road conditions, and any injuries. This evidence becomes essential if questions arise later about fault or damages.

Once you’ve documented the scene, notify your insurance company right away. Most insurers require prompt accident reporting. Explain that the other driver does not appear to have insurance. Because Wisconsin is an at‑fault state, determining who caused the crash plays a major role in how your claim moves forward.

If the uninsured driver is found responsible, your own coverage may step in. Many Wisconsin drivers carry uninsured motorist (UM) or underinsured motorist (UIM) protection. These coverages help pay for medical bills, lost wages, and sometimes property damage when the at‑fault driver lacks adequate coverage. The specific benefits depend on your policy, but UM/UIM coverage often serves as a crucial safety net in crashes involving uninsured drivers.

Other insurance options may also apply. Collision coverage can help pay for vehicle repairs or replacement regardless of fault, while personal injury protection (PIP) — available in some states — may cover medical expenses or lost income for you and your passengers. If you carry these optional coverages, they can reduce financial strain after a crash with an uninsured driver.

If you do not have UM, UIM, collision, or PIP coverage, recovering compensation becomes more challenging. In some cases, injured drivers pursue a lawsuit against the uninsured motorist. Legal action may allow you to seek payment for medical costs, property damage, lost wages, and pain and suffering. However, many uninsured drivers have limited financial resources, meaning a lawsuit may not result in meaningful recovery — even if you win. This is why many people turn to an experienced Milwaukee car accident lawyer as early as possible.

At Levine Law LLC, our Milwaukee personal injury attorneys can help evaluate your options, determine whether a lawsuit is worthwhile, and guide you through every step of the claims process. We help gather documentation, negotiate with insurers, and protect your rights at a time when stress and uncertainty are high.

Hit‑and‑run accidents often follow the same process as collisions with uninsured drivers. When the at‑fault driver cannot be identified, UM coverage typically applies. As always, report the crash to law enforcement immediately and gather as much evidence as possible. Witness statements, photos, and video footage can help support your claim.

Being hit by an uninsured motorist in Wisconsin is incredibly frustrating — but it doesn’t have to jeopardize your financial stability. Quick action, thorough documentation, and strong legal guidance can help you pursue the compensation you deserve. Report the accident, understand your insurance coverage, and contact a knowledgeable Milwaukee personal injury attorney if you need support.

At Levine Law LLC, our team has been helping accident victims throughout southeastern Wisconsin for three generations. If you’ve been injured in a crash with an uninsured or underinsured driver, we’re here to fight for your rights and guide you every step of the way.