Motorcycle accidents can be a harrowing experience, often leaving riders overwhelmed and uncertain about what to do next. Amidst this confusion and stress, the thought of seeking compensation may be the last thing on your mind. However, Wisconsin law affords certain rights to motorcyclists—along with certain obligations to both prevent and help victims navigate an accident.
If you’ve been involved in a motorcycle accident in Milwaukee, partnering with an experienced Milwaukee motorcycle accident lawyer can make a significant difference in your recovery process.
Wisconsin Motorcycle License and Insurance Laws
In Wisconsin, every person who operates a motorcycle must hold a license and carry liability insurance coverage. Every rider must possess a Class M motorcycle license or a motorcycle instruction permit. To receive a permit, the rider must pass a motorcycle knowledge test, a sign test, and a vision screening.
When it comes to insurance, Wisconsin law requires motorcyclists to hold the following minimum coverage:
- $10,000 in property damage coverage per accident
- $25,000 in bodily injury coverage for one person per accident
- $50,000 in bodily injury coverage for injury or death to more than one person per accident
Operating and Protective Gear Requirements
To promote safety, Wisconsin requires motorcyclists to follow certain operating and protective gear mandates. Helmets are required for all riders under the age of 18 or who have not completed a rider education course, including passengers.Â
Licensed riders over the age of 18 are not required to wear a helmet, but it is strongly recommended to significantly reduce the risk of injury or death. Eye protection is also mandatory for all riders, such as goggles, a helmet shield, or a windscreen.Â
Furthermore, motorcycles must be equipped with the following:
- Operational headlights that are turned on when in use
- Turn signals, a rear-view mirror, and a muffler
- Handlebars that are 30 inches or fewer above the seat
- A passenger seat and footrest, if transporting a passenger
Liability for a Motorcycle Accident in Wisconsin
In Wisconsin, the fault-based insurance system governs motorcycle accidents. These laws state that, if you are responsible for causing a collision, you are liable for the damages that incur as a result, both for yourself and others involved.Â
Conversely, if another party causes the accident, you can seek compensation by:
- Filing an insurance claim against the at-fault driver’s coverage
- Filing a claim with your own insurance company
- Filing a personal injury lawsuit against the at-fault driver in civil court
In most cases, motorcycle accident claims originate in the insurance process and escalate to a personal injury lawsuit if necessary. This is common in situations where insurance claims don’t cover all expenses or when the victim suffers a very severe injury.
When You Need to Report a Motorcycle Accident to the Police
Wisconsin law also outlines when you are required to report an accident to law enforcement. Any crash must be reported when it results in injury to a person, property damage that amounts to $1,000 or more, and damage to government-owned property (other than a vehicle) of $200 or more.Â
The easiest way to report an accident is to call 911 and have law enforcement officers complete the report. Otherwise, you will need to complete the Wisconsin Driver Report of Crash DT4002 and submit it to the Wisconsin Department of Transportation.
Contact a Milwaukee Motorcycle Accident Attorney Today
If you’ve been involved in a motorcycle accident in Wisconsin, navigating these laws can be challenging. In these situations, an attorney can help you navigate the complexities of the legal process to secure the compensation you deserve. After seeking medical care, contact a Milwaukee personal injury lawyer and take your first steps to recovery.