Wisconsin Car Insurance
Car insurance is mandatory for drivers in the state of Wisconsin. This is a recent change as Wisconsin drivers were previously not required to purchase liability insurance. However, having insurance has always been prudent.
Drivers without insurance in Wyoming can be held personally responsible for all damages caused in an accident may also be forced to comply with state financial responsibility laws and purchase SR–22 Insurance, among other penalties.
On November 1, 2011, new Wisconsin auto insurance laws went into effects. Wisconsin drivers are now required to carry minimum liability insurance of $50,000 per person, $100,000 per accident for bodily injury and $10,000 minimum coverage for property damage. These are minimum coverage amounts that protect the driver up to the coverage limits for the specified damages types in the event of an at fault accident.
Wisconsin has some of the highest minimum limits in the country. In limited situations, other security such as a surety bond, personal funds, or certificate of self–insurance may be used in lieu of a purchased auto insurance policy.
Wisconsin law also requires drivers to purchase Uninsured Motorist (UM) coverage with minimum limits of $100,000 per person, $300,000 per accident for bodily injuries and Underinsured Motorist (UIM) coverage with minimum limits of $100,000 per person, $300,000 per accident for bodily injuries.
With UM coverage, a driver is insured up to the UM limits in the event the other driver does not have insurance. With UIM coverage, the driver is protected the other driver does not have enough insurance for the damages caused in an accident.
Purchase Optional Higher Limits
Wisconsin drivers should consider purchasing additional liability insurance and Uninsured Motorist coverage, or other optional coverage types such as Personal Injury Protection, Comprehensive Insurance and Collision Insurance. These are all important types of insurance coverage as each day hundreds of Wisconsin drivers are involved in car accidents. Other types of auto insurance coverage to consider purchasing in Wisconsin include rental car, towing, and roadside assistance resulting from an accident.
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Drivers in Wisconsin have dozens of insurance companies to choose from. In addition to national insurers such as Allstate, Geico, Liberty Mutual, and The Travelers, Wisconsin drivers who are having difficulty getting coverage can also inquire with the Wisconsin Automobile Insurance Plan.
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