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Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. It does however apply in an accident for
which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Wisconsin requires a minimum of 25/50/10 liability coverage.
You may also purchase a bond in the same amounts as the regular wisconsin auto insurance. The
first number is the amount that wisconsin auto insurance will cover for any one person ($25,000). The second number is the total amount wisconsin auto insurance will pay for
all persons injured in an accident ($50,000).
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. UIM coverage is not required under Wisconsin auto insurance law. Wisconsin auto insurance companies are required to notify you of its availability. The minimum limits of UIM coverage, if accepted after notification, are $50,000 per person and $100,000 per accident.
When calculating your wisconsin automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your wisconsin auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your wisconsin auto insurance rate as well as the driving record of any family members covered under your wisconsin auto insurance policy.
With average wisconsin auto insurance premium at around $693 in 2003, and the national average at around $914, most Wisconsinites incorrectly assume that they have no choice but to accept these wisconsin auto insurance rates fixed by wisconsin car insurance companies and state regulatory agencies. We know there are cheap wisconsin auto insurance rates available for you, and we will help you find the cheapest wisconsin auto insurance quotes.
Wisconsin has a financial responsibility law. It is designed to make
sure that any motorist licensed to drive in Wisconsin has wisconsin auto insurance or enough money to pay for damages to others that may be caused by a motor vehicle. These
requirements may be met through a motor vehicle liability insurance policy,
a surety bond, personal funds, or certificate of self-insurance.
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (25/50/10) tells you how much your wisconsin auto insurance plan will cover for property
damage in any one accident.
As the years go by, wisconsin auto insurance rates change, you might be paying more wisconsin auto insurance premium than you need to. Just one year earlier, the average wisconsin auto insurance premium in 2002 was about $671, that's an increase of about 3.28% in just one year!
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