Someone told me that in the state of Wisconsin the car insurance carriers were only permitted to look back 3 years on your driving record. Is this true? I live in Wisconsin.

Neve

Kenosha, WI

I am not aware that insurance companies can only look at your driving record for three years in Wisconsin. Auto insurance carriers generally can go back 3, 5 or 7 years to look at a person’s driving record.

Most minor moving violations stay on your record for three years while major traffic violations can remain on your record for seven years or more. Many insurance providers will look 3 years back on a driver’s record for minor infractions but will look back for major offenses, i.e. DUI, for a longer period of time, such as 7 years.

On applications for car insurance many carriers will request information on previous accidents and moving violations and indicate how long proceeding the application date they will want you to list. If they request more than 3 years back, then you will need to list the moving violation and/or accident that happened during the time frame they requested information on.

What can you suggest so that the SR22 filing that I would have to file will not be too costly?

Phoebe

Green Bay, WI

In Wisconsin, anyone driving a car is obliged to get car insurance by the law for protection. But if you just get yourself in a serious moving violation, you are going to be required by the law to file for an SR22 in Wisconsin on top of your regular auto insurance.

Typically, an SR22 Wisconsin costs a lot. Still there is no need for you to invest a lot for an SR22 premium even if it is mandated by the law. There are a number of insurance companies competing for the cheapest insurance rate so let take advantage of it and find the best SR22 insurance deal that suits your budget.

Insurers vary greatly with their insurance rates depending on certain factors. A statement such as the cheapest coverage may sound contradictory since a certain insurer offers a cheaper coverage for a certain group while others for the other type. Hence, a policy could only be cheaper if you have qualified for the conditions set by the insurer.

You can certainly rejoice over the stiff competition among insurers because it is giving us a chance to compare over their various offers. Nevertheless, we must be vigilant to these cheap SR22 Wisconsin packages that these insurance companies are claiming. Although a cheap coverage may not refer to a cheap quality but it could still be possible to happen under this circumstances.

Verify if the cheap policy that has been offered to you contains the necessary coverage that is applicable to you. If your cheap coverage contains low limit of liability coverage, then you might end up with an expensive insurance. Furthermore, you will also be paying the excess of your liability coverage in time of an at fault accident which would certainly be heavy on your pocket.

Is there a way I could know the points in my drivers license? I live in Wisconsin. Thank you.

William

Thank you for asking William.

If you want to get information for the points listed on your driver license or driving history you should check with your state’s department of motor vehicle, or like agency, in your case its the Department of Transportation website. This permits you to send off for your driving history by filling out a form either in person at the DMV office or online. You can also call over the phone and ask information about the your points through a special phone number in WI DOT.

Your motor vehicle record (MVR) includes identifying information about you, lists any licenses that have been issued to you, any infractions you have for moving violation and the points put on your record for these offenses and administrative entries regarding your driving privileges, which will include things such as license suspensions or revocations.

Goodluck!

MariCAR