Auto Accident Insurance and Chiropractic Care in Wisconsin
Hurt in a crash and unsure who pays? Let’s sort out your coverage.
Trusted, personal care in neighborhood clinics throughout Greater Milwaukee.
How fault works in Wisconsin
Wisconsin’s insurance regulator explains how fault affects who pays after a crash.
- If you cause a crash, you may be found responsible for the losses of other people involved.1
- Wisconsin has a comparative negligence law, so responsibility is often shared.2
- You can recover from another driver only if your share of fault isn’t greater than theirs.1
- What you recover is reduced by your percentage of fault.1
Not legal advice
This page shares general information, not legal advice. For questions about fault or a claim, talk with your insurer or an attorney.
Coverage that may pay for your care
Here’s what each type does, based on Wisconsin’s Consumer’s Guide to Auto Insurance.1
| Coverage | Required? | What it does | Wisconsin minimum |
|---|---|---|---|
| Liability (the at-fault driver’s) | Required | Pays others’ injury claims against the driver who caused the crash. It doesn’t pay that driver’s own injuries.2 | $25,000 per person, $50,000 per crash1 |
| Uninsured motorist | Required | Helps pay for your injuries when the at-fault driver has no insurance. Injuries only, not car damage.1,2 | $25,000 per person, $50,000 per crash1 |
| Underinsured motorist | Optional | Helps when the at-fault driver’s coverage is too low. Insurers must tell you it’s available.1 | $50,000 per person, $100,000 per crash, if you buy it1 |
| Medical payments (MedPay) | Optional | Pays medical bills for you and others in your car, even if you caused the crash. It usually covers costs your health plan doesn’t, such as copays and deductibles.1 | $1,000, if you keep it1 |
| Your health insurance | Your plan | Your health plan may cover chiropractic care, too. Coverage varies by plan. | Set by your plan |
MedPay usually includes only expenses within one year of the crash.1 Coverage depends on your policies and your claim. This page shares general information, not legal advice.
How we bill after a crash
How your care is billed depends on your case. Our team works with you to find the best option, whether that’s your auto insurance, your health insurance, or another path.
- Choose “Car accident” when you verify your insurance. We check which coverage applies.
- Bring your claim number, your auto and health insurance cards, and the crash report if you have it.
About the $29 New Patient Special
When we bill your auto insurance, full fees apply and the $29 special isn’t available. If you pay for your own care (self-pay), the $29 special is available.
Hurt while driving for work?
Workers’ compensation may cover your care.
Keep your claim on track
These steps can help your care and your claim. This page shares general information, not legal advice.
Report the crash
Crashes with any injury, or $1,000 or more in damage to a vehicle or property, must be reported.3
Call your insurer
Start a claim and write down your claim number and adjuster’s name.
Get checked
Pain can show up hours or days later. See a doctor if you’re hurting. In an emergency, call 911 first.
Keep your records
Save bills, receipts, and the crash report. You can buy a copy of the report online.3
Before you sign a release
Wisconsin’s regulator suggests getting a doctor’s letter estimating future care costs first.2
Know the deadline
You generally have three years from the crash to settle a claim or file a lawsuit.2
More help: what to do after a car accident in Wisconsin, and coming soon, who pays medical bills after a car accident in Wisconsin. For injuries, see car accident injuries.
Questions about auto accident coverage
A crash shouldn’t keep you from doing what you love.
Choose “Car accident” when you verify your insurance. We reply within 2 business days.
More life in every day.
More about car accidents and coverage
After a crash
Insurance and billing
Sources
- Wisconsin Office of the Commissioner of Insurance. Consumer’s Guide to Auto Insurance (PI-057, R 10/2026). oci.wi.gov. Accessed Oct. 8, 2026.
- Wisconsin Office of the Commissioner of Insurance. Frequently Asked Questions: Automobile Insurance (PI-233). oci.wi.gov. Accessed Oct. 8, 2026.
- Wisconsin Department of Transportation. Crash reporting. wisconsindot.gov. Accessed Oct. 8, 2026.