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In Wisconsin you can sue the insurance company directly, you aren't required to sue the driver. However, I always recommend that you sue both.
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If this is an uninsured motorist claim, the insurer will insist on obtaining the records itself. You do not want to sign a blank authorization. You can limit the authorization. You also only want them to obtain records from providers who have treated for injuries due to the accident. Why are you handling this on your own? How will you know how to respond to the ultimate question the insurance company is going to ask you - "how much is this worth?" There are plenty of pitfalls for you...
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You have 3 years from the date of injury to file a lawsuit.
I don't see liability on the store. You would have to identify the dog owner and if there is insurance. WI has a dog injury statute that could be a basis for the claim. Feel free to call. Jeff Pitman 800-950-9882 jeff@pksdlaw.com
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