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Wisconsin Auto Insurance InformationThe General® is pleased to provide auto insurance in Wisconsin. We offer low cost auto insurance online even if you have a less than perfect driving record -- have never been insured before, or have let your policy lapse.We've provided some information below that we hope will be helpful in answering some of the more common questions we've received from our customers. Minimum Level of CoverageWisconsin has a financial responsibility law. It is designed to make sure that any motorist licensed to drive in Wisconsin has insurance or enough money to pay for damages to others that may be caused by a motor vehicle. If you decide to satisfy the requirements of the Wisconsin Financial Responsibility Law by buying auto insurance, your policy must contain the following three coverages with the minimum limits indicated:Bodily Injury
- $25,000 for the death or injury of any one person, any one accident - $50,000 for all persons in any one accident Property Damage
- $10,000 for any one accident Uninsured Motorist Bodily Injury Liability
- $25,000 per person, any one accident - $50,000 for all persons in any one accident Frequently Asked Questions Regarding Wisconsin Auto Insurance
Why should I buy auto insurance?
If you cause an auto accident, you may be responsible for the losses of the other people involved. If you do not have insurance, anything of value that you own may be taken to pay for those losses. By purchasing auto liability insurance you can help protect yourself so this doesn't happen.
What is Bodily Injury Liability Coverage?
Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else's vehicle. It may also cover others who drive your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.
What is Property Damage Liability Coverage?
This coverage pays for damages you or members of your family cause (and are liable for) to other people's property in a crash involving a motor vehicle.
What is Uninsured Motorist Bodily Injury Coverage?
Under an auto policy, this is protection for the insured against bodily injury caused by the negligence of an uninsured motorist or hit-and-run driver.
What if I fail to keep insurance on my vehicle that I have registered in Wisconsin?
What if you're currently driving without coverage? The General® offers instant Proof of Insurance when you buy auto insurance online at our Web site.
Wisconsin law provides severe penalties for violating the state's financial responsibility laws. A first conviction will result in a fine between $175 and $350. Subsequent convictions could result in fines of $350 to $1,000, suspension of your driver's license, and impoundment of your automobile. |
Additional Resources for Wisconsin ResidentsOffice of the Commissioner of InsuranceWisconsin Department of Transportation The Official State of Wisconsin website |
