A test is not necessary for trailers or semitrailers. If you have an accident while driving without insurance in Wisconsin, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault. Buying Wisconsin minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. SR-22 insurance typically costs much more than regular insurance because of the high-risk designation that comes with crimes such as driving under the influence of alcohol and reckless driving.
All drivers in Wisconsin must have car insurance or some other form of financial guarantee (bond, personal funds, or self-insurance certificate). 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. If you borrow a car from someone who lives in their own home, it must be listed on the car owner's policy. The difference between SR-22 and regular insurance is that SR-22 insurance is for high-risk drivers who have been convicted of serious traffic violations, while regular insurance is for anyone who drives a car.
Learn more about when you might need a car accident lawyer and what to expect from your first meeting with a car accident lawyer. The SR-22 is a form that the insurer submits to the state by the insurer to show that the driver has the legally required amount of insurance. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 7% more than the average premium in Wisconsin. In Wisconsin, drivers with just two speeding tickets pay an average of 35% more on their annual car insurance premiums, for example.
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. 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. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage.