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Wisconsin has a financial responsibility law that requires motorist either has insurance or enough money to pay for damages to others that may be caused by a motor vehicle. The requirement can be met through an auto insurance policy, a surety bond, personal funds or certificate of self-insurance. Violating the state's financial responsibility laws can have sever repercussions including a fine between between $175 and $350 for a first offense. Subsequent convictions could result in fines up to $1,000, suspension of your driver's license and impoundment of your vehicle. If you choose to satify the financial responsiblity law with insurance, you must carry your insurance card in your vehicle and show it in the event of an accident.
If you choose to meet the obligations of financial responsibility law by purchasing auto insurance, your policy must provide a minimum coverage of 25/50/10 for Bodily Injury Liability and Property Damage Liability. This means drivers must carry $25,000 per person and $50,000 per accident for bodily injury liability and $10,000 per accident for property damage liability. Residents are also required to carry uninsured motorist coverage of at least $25,000 per person up to a total of $50,000 for bodily injury liability. Wisconsin state law does not require medical payment coverage, Personal Injury Protection, Collision, Comprehensive or underinsured motorist coverage. Speak with your agent for help determining whether you need any of these additional coverages.
Wisconsin uses a fault-based or tort system of insurance rather than a no-fault system. With a tort based system, the at-fault party's insurance company will pay medical and rehabilitation expenses of the injured party. The injured party also has the right to sue for other losses including pain and suffering. To adequately protect yourself from financial loss, consider carrying more coverage than the law requires.
Our customers come from Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Oshkosh, Eau Claire, West Allis, WI and other cities in The Badger State to find cheap life insurance and other coverage from top rated insurance companies. Our Wisconsin insurance agent and broker referral network can help you compare rates with ease.