$0 is the worst-case answer - if your policy has no usable coverage, if your daughter is found 51% or more at fault, or if the insurer says there is not enough proof a hit-and-run vehicle caused the crash.

That is the hard truth.

But in Wisconsin, this often goes better than parents fear. Uninsured motorist (UM) coverage is required on Wisconsin auto policies, usually at least $25,000 per person and $50,000 per accident. A hit-and-run driver is often treated as an uninsured driver, so your own auto policy may pay for your daughter's injuries even if no plate was captured.

The key is proof.

After a winter crash in Racine - black ice on Highway 20, slush near Douglas Avenue, low visibility by Durand Avenue - insurers look closely at whether another vehicle really forced or struck her. Report it to the Racine Police Department right away and make sure a Wisconsin crash report is on file. Tell your insurer immediately that this is a hit-and-run UM claim, not just a collision claim.

What helps most:

• Photos of damage, snow tracks, debris, and the scene
• Witness names and phone numbers
• Nearby business or traffic camera footage
• 911 records, ambulance records, and ER notes describing a hit-and-run
• Prompt medical care tying the injuries to this crash

If police later find the driver and that person only carries Wisconsin's low liability minimums - $25,000/$50,000 - your underinsured motorist (UIM) coverage may help, but only if your family bought it.

Also check for Medical Payments coverage on your policy. That can pay medical bills quickly regardless of fault.

Do not let the insurer turn winter-road conditions into all the blame. Wisconsin's modified comparative fault rule blocks recovery only at 51% or more fault. If your daughter is under that, UM or UIM benefits may still be available.