If this happened across the border in Michigan, no-fault rules would send you down a very different path. In Wisconsin, the starting point is usually simpler: the insurer for the driver who caused the crash pays first, and then coverage fights get sorted out from there.

Picture this: you're doing a DoorDash pickup near Oshkosh in late December, roads are slick, and a cable company van slides into you at an intersection. Your own insurer starts asking whether you were "using the car for business." DoorDash mentions its policy, but only in certain situations. Meanwhile the van company's insurer wants a statement and is hinting at a quick check before year-end.

Here's how Wisconsin usually handles that.

First, liability follows fault. If the cable van driver caused the crash, that company's auto insurer is the main target for your medical bills, lost income, and car damage.

Second, your own policy may still matter. Many personal auto policies have a delivery or commercial-use exclusion. That can affect your car damage coverage, but it does not let the other side off the hook if their driver was negligent.

Third, DoorDash coverage is limited. It typically applies when you're actively on a delivery and often works as secondary coverage, not the first dollar. Whether you had accepted an order, were waiting, or were between deliveries can change everything.

Wisconsin also uses comparative fault. If you were partly responsible, you can still recover damages as long as you were not more than 50% at fault. At 51% or more, recovery is barred.

A few deadlines matter fast:

• Report the crash to police or file a Wisconsin crash report if required. Wisconsin generally requires reporting if there is injury, death, or property damage of $1,000+ to any one person's property.
• The usual deadline to sue for a Wisconsin vehicle injury claim is 3 years.
• Do not sign a release just because an insurer says the policy is renewing or year-end is closing.

Get the police report, app screenshots showing delivery status, photos, and the exact time of the crash. In a gig-driver claim, those details often decide which insurer has to step up.