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Optional coverage in Wisconsin
Wisconsin’s state requirements will only cover damages and medical bills for others in the event of a car accident. For greater peace of mind and financial protection, it’s a good idea to add some full coverage options to your policy:
Comprehensive coverage: Protects your car from loss or damage typically not caused by collisions, such as car theft, vandalism, natural disasters, or hitting an animal.
Collision coverage: Pays for damage to your car after a collision with an inanimate object or another vehicle.
Underinsured motorist coverage (UIM): Covers bodily injury resulting from an accident with a driver who has insufficient liability insurance up to your policy limits.
MedPay
: Covers medical expenses for you and your passengers following a crash, even if you are at fault.Roadside assistance: Also known as towing and labor coverage
, this pays for towing, tire changes, battery jumpstarts, and more.
Penalties for driving without insurance in Wisconsin
If you’re caught driving without proof of insurance
in Wisconsin, you may face the following penalties: Suspension of your driver’s license + $60 reinstatement fee
Suspension of vehicle registration
SR-22
filing requirement for at least three years
FAQs
What are the auto insurance requirements in Wisconsin?
All drivers in Wisconsin must carry liability insurance that follows the 25/50/10 rule, plus 25/50 in uninsured motorist coverage.
Does car insurance follow the car or the driver in Wisconsin?
A car insurance policy typically follows the vehicle. If you let someone borrow your car, they’ll be protected by your car insurance policy under permissive use unless they are excluded from the policy. The same is true if you have permission to borrow someone else’s vehicle.
What are the penalties for not having car insurance?
If you drive without an auto insurance policy in Wisconsin, you may face fines, license and registration suspension, and an SR-22 requirement.