wis-law.com is your doorway to information pages on legal subjects including Wisconsin Divorce Law, Wisconsin Real Estate Law, Wisconsin Personal Injury Law, Bankruptcy Law, Social Security Law, Wills and Probate and Landlord/Tenant Law in Wisconsin, as well as issues regarding motor vehicles, bankruptcy and insurance. wis-law.com is also a central access point to other resources available on the web with respect to Wisconsin Law and Government.

The topic of insurance is one that is far broader than any web page could hope to address. So our hope in adding this page to the Wisconsin Law Page is to give you a brief overview of things to keep in mind when making the decisions as to what and how much insurance you should purchase. We also want to get you started towards finding more information on the web with respect to insurance.

There are hundreds of different kinds of insurance, but the ones we feel are important enough to discuss are Automotive, Homeowners, Health, Life Insurance and Umbrella insurances. Everyone should have the first three, the fourth is worth considering and the fifth is inexpensive protection for anyone with a significant net worth.

Insurance is gambling against your good fortune. What you do when you buy insurance is essentially hedge your bet that things will go well for you, so that if things go badly, you will have a less severe financial impact from your bad fortune. Insurance companies, because they insure the bad fortune of so many people, should be able to pay your losses.

When sold and administered properly, insurance and insurance companies are a good thing. Insurance companies become a problem when they try to change the odds on the bet they made, after they have already lost. Understand that this page is written by a personal injury attorney, Gordon S. Johnson, Jr., who essentially does nothing but bang heads with insurance companies as to how much they should pay on claims. But in this writer's opinion, insurance companies are almost always looking for ways to pay less than their fair share.

How much to pay on a substantial claim gets to be a high stakes poker game. The insurance companies professional gambler, the adjuster, uses all of his or her skills to bluff the claimant out of fair compensation. The system works okay if the claimant also has a professional gambler, an attorney to counter this tactic. But if the claimant walks into this poorly lit room without such a champion by his side, he will risk being the greenhorn whose rights will be lost, as surely as the greenhorns money will disappear.

When insurance adjusters are forthright and fair, lawyers aren't needed. But don't walk into this situation expecting such behavior. The vast majority of insurance professionals, despite the advertising about the good hands people or friendly this, or friendly that, will see your compensation as a game, and take advantage of you whenever they think they can. If you sign a check or release on a substantial claim before you have discussed this matter with an attorney, you do so at your own risk.

Fortunately, in most states there is a state agency that monitors improper behavior by insurance companies. In Wisconsin, that agency is Wisconsin Commissioner of Insurance, which office maintains an excellent web page. To get to such page: Click here

The materials on this World Wide Web site are provided purely for informational purposes and are not legal advice. These materials are intended, but not promised or guaranteed, to be correct, complete, and current. This web site is not intended to be a source of advertising, solicitation or legal advice. Therefore, the reader should not consider this information an invitation for an attorney-client relationship. Readers should not act or rely upon any information contained in this World Wide Web site and should always seek the advice of competent counsel.

The owner of this web site is a law firm, the Johnson Law Office which organized the Brain Injury Law Group. The Johnson Law Office is licensed to practice in the States of Wisconsin , Illinois and Michigan. The Brain Injury Law Group does not wish to represent anyone desiring representation based upon their viewing any portion of this World Wide Web site that fails to comply with all legal and ethical rules in such individuals state. While not intended to do so, but in a good faith effort to comply with all rules and regulation which may be applicable to it, the Brain Injury Law Group hereby informs readers that this site may be construed as advertising and promotional materials. The Brain Injury Law Group makes no representation that it can obtain the same results as reported in this web site in other legal matters.