Auto Insurance in Wisconsin
Regardless of your location, auto insurance will be a major part of any claim after an accident. Wisconsin follows the traditional fault-based accident system regarding financial responsibility for losses as a result of a crash. This system includes lost income, accident injuries, vehicle damages, property damages, etc. Therefore, the individual who is at fault for causing the accident is liable for the resulting harm. For this reason, it is critical to have at least the minimum auto insurance coverage as a driver in Baraboo, WI or Milwaukee.
Wisconsin Auto Insurance Requirements
All Wisconsin drivers are legally required to have automobile insurance that consists of:
There are three minimum liability coverages, one for bodily injury or death of one person in the accident, one for total bodily harm or death, and one for property damages. These coverages pay property damage bills, medical bills, and other expenses for those involved in the accident, including the other driver, any passengers, and pedestrians, up to specific limits. Liability coverages protect family members when they are driving your vehicle or those who are permitted to drive it, as well as cover you during an accident in a rental car.
Johnsen Insurance, representing the Baraboo, WI area, always advises carrying more coverage to ensure additional protection in case of a serious accident. Once limits are reached, the at-fault driver is financially responsible for all other bills.
Uninsured Motorist Coverage
The other type of required coverage is Uninsured Motorist Coverage which protects you, your family, and passenger’s bodily injury when hit by an underinsured, uninsured, or hit-and-run motorist. This coverage also protects your family if they are struck by an underinsured, uninsured, or hit-and-run driver.
If you are in the Baraboo, WI area, stop by the Johnsen Insurance office today for more information about Wisconsin auto insurance. Our experts are standing by to help you find the best auto insurance policy to meet your needs!