When the at‑fault driver has no insurance (UM) or too little (UIM), your own policy can bridge the gap. With Wisconsin’s low minimums, UIM is often the path to full compensation after serious injuries.
UM vs. UIM Basics
UM applies to no‑insurance or hit‑and‑run. UIM pays the difference between your losses and the tortfeasor’s limits (subject to policy language). Notice requirements are strict—notify your carrier promptly.
Policy Language: Stacking, Offsets, Triggers
Whether you can stack multiple vehicles/policies, how offsets work, and when UIM is triggered depend on contract wording. We analyze declarations, endorsements, and anti‑stacking clauses to maximize recovery.
Coordinating PIP, Health, Med Pay, and Worker’s Comp
Benefit coordination prevents denials and liens from eroding your net recovery. We sequence claims to satisfy lienholders while preserving your settlement.
Negotiation & Arbitration
Many UM/UIM policies require arbitration. We build medical and economic proofs the same way we would for trial—adjusters pay attention to well‑prepared cases.
