What to Do if You're Involved in an Accident with an Uninsured Motorist in Milwaukee

Aaron Betts • October 18, 2025

Being involved in a car accident is stressful enough—but the situation becomes even more complicated if the other driver is uninsured. Unfortunately, uninsured motorists are a reality on Milwaukee roads, and they can create serious challenges if you’ve been injured or suffered property damage. At Phillips, Cymerman & Trager, S.C., we understand the complexities that arise in these cases and are here to help you protect your rights and seek the compensation you deserve.

What is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is a type of insurance protection that helps cover injuries and damages if you are involved in an accident caused by a driver who does not have insurance. This coverage can pay for medical bills, lost wages, pain and suffering, and other related expenses. While drivers are required to carry liability insurance in Wisconsin, unfortunately some still drive without it. If you are hit by an uninsured motorist, and you have insurance on your vehicle, you can make a claim for UM coverage through your policy to cover your injuries from the accident.

Wisconsin Laws Regarding Uninsured Motorists

Wisconsin law mandates that every policy of automobile liability insurance must include uninsured motorist coverage. This means that if you have liability coverage on your vehicle, you also will have UM coverage on your policy. In Wisconsin, UM policies must have minimum coverage limits of at least $25,000 per person and $50,000 per accident for bodily injury.

Steps to Take After an Accident with an Uninsured Driver

If you find yourself in an accident with an uninsured motorist, taking these steps can help protect your interests:

1. Ensure Safety and Call the Police: Move to a safe location if possible and call 911 to report the accident. A police report will be important for insurance and legal purposes.

2. Collect Evidence: Document the scene by taking photos of all vehicles involved, the accident location, and any visible injuries. Gather contact information from witnesses and the other driver.

3. Notify Your Insurance Company: Let your insurer know about the accident as soon as possible and inquire about your uninsured motorist coverage.

4. Seek Medical Attention: Even if you don’t believe you’re seriously hurt, see a doctor promptly. Some injuries may not be immediately apparent, and documentation is crucial.

How an Accident Attorney Can Help

Navigating claims involving uninsured motorists can be complex. Insurance companies may try to minimize your claim or deny coverage altogether. An experienced Milwaukee accident attorney can:

  • Advocate for your rights: We handle all communications with insurance companies, ensuring they fulfill their obligations.
  • Prove liability and damages: Our attorneys gather necessary evidence, medical records, and expert testimony to build a strong case.
  • Seek fair compensation: We fight for damages including medical expenses, lost wages, pain and suffering, and more.


Conclusion

Accidents with uninsured motorists can leave victims facing mounting medical bills and lost income without clear avenues for compensation. Having uninsured motorist coverage on your insurance policy is critical for your protection. If you have been involved in such an accident in Milwaukee, the legal team at Phillips, Cymerman & Trager, S.C. is here to guide you every step of the way. Contact us today for a free consultation to discuss your case and learn how we can help you pursue the justice and recovery you deserve.


Motorcycle crashed against a fence, next to a tree, with an orange traffic cone.

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