Minimum Car Insurance Coverage in Wisconsin
Reader’s Question:
Hi there, I just moved to Wisconsin and I hear that the minimum insurance required to drive a vehicle here is different. Can anyone tell me the minimum insurance I need?
Elle
Milwaukee, WI
Hi, Elle. You’re right. Wisconsin does have a different car insurance policy than other states in the US. You see, most US states will only require certain amounts of bodily injury and property damage liability insurance. However, in Wisconsin, the state requires liability insurance and uninsured motorist insurance as well.
Here are the amounts that you will need for each type of insurance: a minimum $25,000 per person and maximum $50,000 per accident of bodily injury liability insurance plus $10,000 for property damage. For uninsured motorist coverage, you will also need the minimum $25,000 with a maximum $50,000 per accident insurance coverage. The bodily injury insurance will cover injury of other people in an accident up to the amount as specified in your coverage. The property damage insurance will pay for any damages to other people’s property in case of a crash. The Uninsured motorist insurance will keep you covered for accidents caused by the negligence of an uninsured driver or a hit and run driver.
Failure to have the required amounts of insurance required in Wisconsin can result in fines, suspension of licenses and impounding of your vehicle. So please make sure that you have enough car insurance coverage and that you keep proof of your insurance coverage in your vehicle at all times.
Checking What Car Insurance Company A Person is Insured At
Reader’s Question:
Is there any database available in Wisconsin to verify what car insurance company a person has? It think that there should be some way to check out if an uncooperative at-fault driver has car insurance.
Marie
Milwaukee, WI
It is likely that the Wisconsin Division of Motor Vehicles (DMV) will be able to assist you track down the at-fault person’s insurance company, if he has one. The WI Department of Motor Vehicle checks for insurance coverage on all motorists listed on an accident report. So hopefully you called the law enforcement officer to your accident scene to take a report.
If the Wisconsin DMV finds that a driver involved in an accident is uninsured, the other parties involved in the accident are informed. Those who are injured or have property damage can report their damages or injuries to the DMV. The Wisconsin safety responsibility law helps protect those who suffer damages in accidents caused by uninsured drivers by first taking away their vehicle registration and drivers license if the uninsured driver is at-fault and did not pay for the damages they caused.
So either way, if the at-fault party did or did not have car insurance at the time of the accident the DMV should be able to assist you so that your damages can be taken care of by the individual who caused the accident.
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