If you or a loved one is injured in an accident, there are three factors that will determine whether you will be fully compensated for your loss: who is at fault; what injuries and damages did you suffer; and, FROM WHAT SOURCE WILL YOU BE COMPENSATED! I have placed this final factor in all caps because this issue is so important and so misunderstood by  consumers.

If you or a loved one is seriously injured due to the negligence of another, it is likely the only source of money to compensate you for your losses is insurance. Most negligent parties do not possess sufficient personal  assets to compensate injury victims.  Even if they do, the law may make it difficult to obtain those assets and a bankruptcy filing is always a concern.

Thus, in 99% of injury cases the injured party’s sole source of compensation will be insurance.

In Wisconsin, a driver need only purchase liability limits of $50,000 to comply with state law minimums.  In this day and age, that $50,000 limit can be exhausted with one week in the hospital. Medical bills alone can easily exceed the minimum policy limits in no time leaving you uncompensated for wage loss, pain and suffering and other potential losses.  So how can you protect yourself and your family in advance of an accident?

Purchase sufficient underinsured motorist and uninsured motorist coverage.

The number of underinsured and uninsured drivers on the road is staggering. Protect yourself and your family by purchasing sufficient underinsured and uninsured coverage. I would suggest a minimum of $250,000, but, in reality, purchasing umbrella coverage of at least $1,000.000 is the best option. By doing so, you need not worry about the insurance available to the at fault party. You can take comfort in advance of any accident that you and your family will be protected.

Contact me today for a free consultation.

We take winning personally.

Let’s get you EVERYTHING you’re owed.

Our experience was top notch from beginning to end. Steve was professional and extremely accommodating. He was always available to answer questions and he knows his craft. He fought for us when we were down and for that we will always be grateful! Cannot say enough good about Mr. Caya and his associates.

Carrie Jensen Avatar Carrie Jensen
Top Car Accident Lawyer in Janesville

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