State Laws › Midwest & Great Lakes › Wisconsin
Wisconsin · State Law Library Hub
Wisconsin Auto Insurance & Crash Law Library
A public legal education and research library for Wisconsin auto insurance, UM/UIM, comparative negligence, MedPay, government claims, damages and settlement.
Wisconsin State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. The Wisconsin library remains subject to substantive legal-currentness and source-integrity review; consult current official authority and the actual policy before relying on a summary.
Getting Started in Wisconsin
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative negligence, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical benefits, hospital liens and settlement.
Case Authority
Wisconsin statutes and appellate authority organized by issue.
Guide 01 · Wisconsin Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep liability claims, UM, any purchased UIM, medical payments and reimbursement questions separate. Identify each potentially responsible person and the evidence about that person’s conduct before drawing conclusions about fault or available recovery.
List the drivers, owners, injured people, possible employers and other responsible parties. Use Guide 14 for work use and Guide 16 promptly when government involvement is possible. Check which public entity is involved rather than assuming every notice rule is the same.
Start with Guide 03, then read Guide 05 and Guide 06. Collect declarations, endorsements and offer or selection records. Distinguish available coverage from the coverage actually purchased, including UIM and MedPay.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and medical chronology. Read Guide 17 with each party’s conduct in view. Preserve dated insurer correspondence and maintain a separate deadline calendar.
Review Guide 21, Guide 22, the case-authority library and official sources. Identify hospital liens, reimbursement demands, remaining coverage and released parties before a final claim decision. The broader legal review remains pending.
Wisconsin Published-Law Snapshot
Issues identified in the existing Wisconsin library
25 / 50 / 10 liability
The existing library states Wisconsin’s minimum liability framework as 25/50 bodily injury and $10,000 property damage.
Comparative negligence
The existing library describes Wisconsin’s person-by-person comparative-negligence framework.
Mandatory UM
The existing library identifies uninsured-motorist bodily-injury coverage at minimum 25/50 limits.
Optional UIM
The existing library treats underinsured-motorist coverage as optional with separate statutory treatment.
MedPay offer
The existing library identifies an insurer offer requirement and policy-specific MedPay limits.
Government claims
The existing library flags Wis. Stat. § 893.80 notice requirements for public-entity claims.
Currentness status: this layout update preserves previously published Wisconsin legal content. Legal Currentness and Source Integrity remain pending in the Registry until separately reviewed.
Primary Research
Official Wisconsin research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
How this library stays current
Build the complete Wisconsin coverage and claim map
Identify every potentially applicable policy and insured, UM/UIM and MedPay provisions, vehicle use, government involvement, each party’s conduct, evidence, damages, insurer communications, liens and release terms before a final claim decision.
Do not let one insurance card define the available recovery.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.