Wisconsin Car Accident Settlement Calculator
Estimate a car accident settlement under Wisconsin law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Wisconsin law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Wisconsin bars recovery if plaintiff is 51% or more at fault.
Wis. Stat. § 895.045·Source retrieved 2026-07-27
Wis. Stat. § 895.043(6)·Last reviewed 2026-07-30
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Wisconsin car insurance law: minimums, PIP and uninsured motorist coverage
What Wisconsin's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Wisconsin: Minimum liability coverage
“Except as provided in s. 344.63, no person may operate a motor vehicle upon a highway in this state unless the owner or operator of the vehicle has in effect a motor vehicle liability policy with respect to the vehicle being operated.”
“[…] subject to the following limits with respect to each such motor vehicle: (a) Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident. (b) Subject to the limit under par. (a) for one person, $50,000 because of bodily injury to or death of 2 or more persons in any one accident. (c) Ten thousand dollars because of injury to or destruction of property of others in any one accident.”
The provision begins before this quote, and the part before it is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Wisconsin: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (Wis. Stat. §§ 344.33, 344.62 and 632.32).
Wisconsin: Uninsured and underinsured motorist coverage
“[…] every policy of insurance subject to this section that insures with respect to any motor vehicle registered or principally garaged in this state against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall contain therein or supplemental thereto provisions for all of the following coverages: 1. Excluding a policy written by a town mutual organized under ch. 612, uninsured motorist coverage, in limits of at least $25,000 per person and $50,000 per accident.”
The provision begins before this quote, and the part before it is not quoted here.
“Except as provided in par. (e), an insurer writing policies that insure with respect to a motor vehicle registered or principally garaged in this state against loss resulting from liability imposed by law for bodily injury or death suffered by a person arising out of the ownership, maintenance, or use of a motor vehicle shall provide to one named insured under each such insurance policy that goes into effect after November 1, 2011, that is written by the insurer and that does not include underinsured motorist coverage written notice of the availability of underinsured motorist coverage, including a brief description of the coverage.”
Wisconsin: Medical payments coverage
“Medical payments coverage, in the amount of at least $1,000 per person. Coverage written under this subdivision may be excess coverage over any other source of reimbursement to which the insured person has a legal right.”
“Notwithstanding par. (a) 2., the named insured may reject medical payments coverage.”
What partial fault costs you in Wisconsin
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Wisconsin law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Wisconsin deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Wisconsin periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Wis. Stat. § 893.54·Source retrieved 2026-07-27
Open the personal injury calculatorWis. Stat. § 893.55(1m)·Source retrieved 2026-07-27
Open the medical malpractice calculatorWis. Stat. § 893.54(1m) reads “(1m) Except as provided in sub. (2m), the following actions shall be commenced within 3 years or be barred:” and § 893.54(1m)(b) reads “(b) An action brought to recover damages for death caused by the wrongful act, neglect or default of another.” Wis. Stat. § 893.54(2m) reads “(2m) An action brought to recover damages for death caused by the wrongful act, neglect, or default of another and arising from an accident involving a motor vehicle shall be commenced within 2 years after the cause of action accrues or be barred.” This field holds a single number, so we publish the 2-year period: it is the one that governs motor-vehicle deaths, and telling a claimant 3 years when the real deadline is 2 is the error that costs a claim. If the death did not involve a motor vehicle, you may have the full 3 years. Confirm which period applies with a Wisconsin attorney.
Wis. Stat. § 893.54(2m)·Last reviewed 2026-07-29
Open the wrongful death calculatorWis. Stat. § 102.17(4)·Source retrieved 2026-07-27
Open the workers compensation calculatorWis. Stat. § 893.54·Source retrieved 2026-07-27
Open the slip and fall calculatorWisconsin against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Wisconsin is one of them.
- Its 3 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Wisconsin is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology