What is a car accident claim worth in Wisconsin?
Every rule below is quoted from Wisconsin law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Wisconsin, and the Wisconsin rules that raise or lower what you collect. $30,350 was the average injury claim paid in Wisconsin in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Wisconsin law on this site, each with a link.
What claims paid in Wisconsin
Injury claims in Wisconsin averaged $30,350 each in 2022.
Car and property damage claims averaged $5,794.
| Injury claim paid by the at fault driver's insurance | $30,350 |
|---|---|
| Car and property damage | $5,794 |
| Medical payments coverage, paid by your own policy | $4,707 |
| Collision coverage, paid by your own policy | $6,038 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Wisconsin
If you were partly at fault
Wisconsin uses modified comparative negligence. You can recover damages as long as your share of fault is not greater than the fault of the person you are suing. If your fault is more than theirs, you recover nothing.
“Contributory negligence does not bar recovery in an action by any person or the person's legal representative to recover damages for negligence resulting in death or in injury to person or property, if that negligence was not greater than the negligence of the person against whom recovery is sought”
The other driver's policy limit is the ceiling
The minimum liability limits are $25,000 for one injured person, $50,000 for two or more people injured or killed in one crash, and $10,000 for property damage.
“Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident... fifty thousand dollars because of bodily injury to or death of 2 or more persons in any one accident... Ten thousand dollars because of injury to or destruction of property of others in any one accident”
If the other driver has no insurance
Insurers must include uninsured motorist coverage of at least $25,000 per person and $50,000 per accident on Wisconsin auto policies.
“uninsured motorist coverage, in limits of at least $25,000 per person and $50,000 per accident”
The deadline that ends the claim
You have three years from the crash to sue for your injuries.
“An action to recover damages for injuries to the person...shall be commenced within 3 years or be barred”
What a lawyer takes if you hire one
Wisconsin has no cap on personal injury contingency fee percentages, but the fee must be reasonable, and the agreement must be in writing, signed by the client, and state how the fee is calculated and what expenses the client pays.
“A contingent fee agreement shall be in a writing signed by the client, and shall state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer in the event of settlement, trial or appeal”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.