What are the different categories of car insurance coverage in Wisconsin?

Car insurance policies in Wisconsin can include several categories of coverage: Bodily Injury Liability: Covers injuries suffered by people in another vehicle if you cause an accident. Personal Injury Protection (PIP) / Medical Payments: Pays for treatment costs of the driver and passengers in your car, regardless of fault. Property Damage Liability: Pays for damage caused by your vehicle to someone else’s property. Collision: Pays for damage to your car during an accident. Comprehensive: Covers damage to your car from incidents other than collisions (e.g., theft, vandalism, weather). Uninsured and Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.

What penalties can I face for not having mandatory insurance in Wisconsin?

If you don’t have the mandatory minimum insurance in Wisconsin, you could face a fine of up to $500. If you’re pulled over without proof of insurance, the fine is $10. However, if you provide false insurance information to an officer, you could be fined up to $5,000.

What is the minimum mandatory insurance required in Wisconsin?

In Wisconsin, you must have insurance policies with minimum basic liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per incident, and $10,000 for property damage. Additionally, you need uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per incident.

Does Wisconsin require uninsured/underinsured motorist coverage?

Yes, Wisconsin requires drivers to have uninsured and underinsured motorist coverage. This coverage helps protect you in case you’re involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage to fully compensate you for your injuries or damages.

Can I exclude certain drivers from my auto insurance policy in Wisconsin?

Yes, some insurance companies in Wisconsin allow policyholders to exclude certain drivers from their coverage. However, it’s important to note that if an excluded driver operates your vehicle and gets into an accident, your insurance may not provide coverage for the damages.

How often should I review my auto insurance policy in Wisconsin?

It’s recommended to review your auto insurance policy at least once a year or whenever you experience significant life changes, such as getting married, moving, or purchasing a new vehicle. Regularly reviewing your policy ensures that you have adequate coverage and helps you explore potential cost-saving opportunities.

Wisconsin | AutoInsurance.org

Wisconsin Minimum Auto Insurance Requirements (2024)

Wisconsin was one of the last two states to adopt mandatory auto insurance. Former state senator John Lehman told the Milwaukee Journal Sentinel that having car insurance was “vital for being a good citizen.” State legislators decided that if drivers wanted to go on the road, they should make sure their vehicles had adequate insurance…

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Tag: Wisconsin

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Wisconsin Minimum Auto Insurance Requirements (2024)

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Tag: Wisconsin

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Wisconsin Minimum Auto Insurance Requirements (2024)

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