All drivers must have motor vehicle liability insurance. Wisconsin drivers 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. Your Wisconsin car insurance policy should always include coverage for bodily injury, property damage, and coverage for uninsured drivers. Having a policy means that your insurer will pay certain expenses if you cause a car accident.
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. Proof of financial responsibility means that you can show that you have an active auto insurance policy that meets or exceeds state minimums if you apply for it. All drivers in Wisconsin must have car insurance or some other form of financial guarantee (bond, personal funds, or self-insurance certificate). 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.
Under state law, Wisconsin auto insurance companies must provide you with coverage for medical and underinsured motorist payments. We'll help you discuss state requirements, coverage options, and discounts available for Wisconsin car insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. 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.
Bodily injuries caused by underinsured drivers (UIMBI) cover you and your passengers if you are hit by a driver who doesn't have enough insurance to cover your medical and car repair bills. Learn more about when you might need a car accident lawyer and what to expect from your first meeting with a car accident lawyer.