Wisconsin Car Insurance (WI)

Anyone who has tried navigating through the streets of Madison after the Badgers have won a game knows the importance of car insurance.  The same could be said for cruising through Milwaukee about the time those corner pubs are closing.  If you are a young, active resident of Wisconsin you might want to take a look at your car insurance policy to make sure you have adequate coverage.

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Minimum Car Insurance Requirements in Wisconsin

In Wisconsin, the minimum car insurance requirements include $25,000 in bodily injury coverage for an individual, and $50,000 in bodily injury for the entire accident.  Minimum coverage of $10,000 is required for property damage.

Also required is uninsured motorist coverage. This portion of your car insurance policy pays for injury-related costs for you and your passengers, should you be in an accident with a driver who is not insured. Damages to your car are not included in this coverage. The required minimums are the same as the basic liability for bodily injury: $25,000 for an individual and $50,000 for the incident (meaning all injured parties in your vehicle).

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Optional Car Insurance Coverage in Wisconsin

Medical payments insurance is another option that provides an important layer of protection. This portion of your car insurance policy pays for injury-related costs incurred by you and your passengers, regardless of who is at fault. At times, this coverage can overlap other components of your policy; however there are instances where it might be an important resource. Some medical payments insurance coverage will include such things as wage loss compensation, rehabilitation costs, or in-home care.

Other car insurance options include coverage for the cost of towing your vehicle, as well as insurance that pays for the cost of a rental car while your vehicle is in the shop. These are perks that you may or may not wish to pay premiums for. The critical element in assembling your car insurance policy is providing sufficient protection for you and your passengers and enough coverage to get your car back on the road if it is badly damaged.

Keep in mind that medical and repair costs can add up quickly, and state-mandated minimum requirements may not be sufficient enough to cover your liability. It is recommended that you purchase the highest limits of coverage you can comfortably afford.

Car Insurance in Wisonsin Cities

Learn more about car insurance specifically in Milwaukee.