Drivers should also consider taking out other types of auto insurance to better protect themselves, since liability insurance does not cover the injuries or property of the policyholder. If Wisconsin drivers don't purchase at least the minimum amounts of car insurance coverage required by Wisconsin law, they may face penalties for driving without insurance. Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause. For more information, see WalletHub's guides on how much car insurance you need and affordable auto insurance in Wisconsin.
MedPay is similar to PIP insurance in that they both manage your medical bills even if you cause a car accident. Uninsured motorist insurance covers the policyholder's expenses after an accident if the other driver doesn't have insurance or doesn't have enough coverage to pay for the damages. Personal injury protection is a type of car insurance used in no-fault states because it covers medical payments regardless of who caused the accident. Instead of PIP insurance, Wisconsin insurance companies offer medical payment insurance (sometimes called MedPay), which helps with hospital bills stemming from a car accident.
Even though car insurance is mandatory in Wisconsin, an average of 14% of the state's drivers don't have car insurance. For example, both collision insurance and comprehensive insurance cover damage to the policyholder's car.