My son had 2 at-fault auto accidents within a few months of each other. The only auto insurance he could get after the second accident was high risk. How long does he have until he no longer has to stay on high risk insurance? We live in La Crosse, Wisconsin.

Will

La Crosse, Wisconsin

In WI dates and types of moving violations, restrictions, accidents, and withdrawals are all recorded onto your driver record abstract. Driving record information are retained for the preceding 5 years; but, certain violations can result in a motorist record being retained indefinitely. To check which ones this would be, you may contact the WI Department of Transportation.

The WI Commissioner of Insurance states that motorists in WI can be classified by auto insurance providers based on a number of different characteristics including, but not limited to, marital status, age and gender, where the car is garaged, make and model of car, driving record, prior car insurance coverage and annual miles driven.

Drivers can typically obtain insurance from a preferred company instead of a non-standard (high risk) insurance companies when they have had a clean driving record for the previous 3 years to 5 years. To make sure how long your son’s accidents will affect his insurance rates in La Crosse, Wisconsin, and therefore classifying him as a high risk, you may contact the Wisconsin Commissioner of Insurance.

Your son can obtain a quote here for La Crosse, Wisconsin car insurance here with the insurers to check if their rates are less than what he is currently paying.

Just move to Appleton, Wisconsin  and I am hoping someone can give me a smart guide to auto insurance requirements here.

Amy

Appleton, WI

Wisconsin might have very different requirements from where you came from and I can give you just some basics.

Although I strongly recommend that you get complete information concerning auto insurance in Wisconsin residents by calling the Wisconsin Commissioner of Insurance located in Madison.

I know that all Wisconsin residents are required to carry uninsured motorist insurance. This auto insurance will provide recompense for drivers who are involved in an accident for which a driver who does not possess liability insurance is responsible. Without this coverage you would have no other option but to pay for their medical expenses and repair bills yourself and it is a given that they will always attempt to recoup losses from you.

Although, liability auto insurance is not required in Wisconsin, it is strongly suggested that all drivers purchase liability insurance. The prospect of being held financially liable for the gigantic expense of medical and repair bills resulting from an accident in Wisconsin can be a daunting one. Minimum level of liability available in WI is 25/50/10.

This means liabilities are twenty five thousand dollars for injuries suffered by a single driver, fifty thousand dollars for the combined medical expenses of all of the occupants of the vehicle and ten thousand dollars for all property damages, including damage to the vehicle of the victim.