All drivers in Wisconsin must have a current auto insurance policy or, in limited situations, another guarantee that could be a bond, personal funds, or a self-insurance certificate when driving a motor vehicle in Wisconsin. It's important to understand how car insurance works in Wisconsin, but if you're involved in an accident, you may need to learn more about Wisconsin laws that could affect a car accident claim. All drivers in Wisconsin must have car insurance or some other form of financial guarantee (bond, personal funds, or self-insurance certificate). The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.
Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. If you're asked to show proof of auto insurance in Wisconsin (during a traffic stop, for example), you can get official documentation from your car insurance company (such as a digital version of your insurance card) on your phone or other device. Not having car insurance in many states can make you a high-risk driver when buying car insurance.
If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. Of course, all of these penalties add to the serious financial danger you could find yourself in if you cause a car accident and don't have car insurance. Learn more about when you might need a car accident lawyer and what to expect from your first meeting with a car accident lawyer.