Auto Insurance In Wisconsin
If you have never traveled through the state of Wisconsin, you have really missed out on some beautiful territory. This state is known for its dairy and cheese, not to mention the Green Bay Packers. Abundant with cows and fields, trees and hills, the people of this state are independent, hard-working, and a very hospitable group. Anybody who lives here is privileged to do so and if you are considering moving to the Badger state, you will be welcome among friends. Wisconsin is one of the few states with a slightly unique plan for car insurance. For example, auto insurance in Wisconsin does not require you to have liability insurance. This and other rules and exceptions make Wisconsin a state separate from all other states. If you are considering living here, or if you already do, refresh your memory on current insurance requirements within the state.
Requirements for Auto Insurance in Wisconsin
Currently, the state of Wisconsin has a couple of options available to its residents for auto insurance. First of all, there is the option of liability insurance. This type of insurance follows 50/100/15 coverage and 100/300 UM. For all of you to whom this is new information, this means that your primary liability auto insurance in Wisconsin must be $50,000 for one person in an accident, $100,000 for a group of people in an accident, and $15,000 for property damage. These levels were recently raised this last year due to new legislation. The other numbers stand for the amount of Uninsured or Underinsured Motorist Protection. You must have $100,000 for one person in an accident and $300,000 for a group of people in an accident. The state of Wisconsin follows the tort system, meaning that one individual is found to be at fault for an accident and they must pay the complete costs of the accident. The UM that you purchase is to help you in case of an accident where an individual has refused to abide by the laws and buy the proper amount of insurance. This guarantees that you will have sufficient funds to pay for your needs.
Proof of Auto Insurance in Wisconsin
There are other options available for auto insurance instead of just liability insurance. If you do not want to buy auto insurance in Wisconsin, you can choose instead to purchase a bond for a certain amount of money, guaranteeing that you have the financial wherewithal to pay for an accident, should it occur. If you are ever pulled over by a police officer for any reason, you must be able to provide proof of your financial means to provide for yourself or another party in case of an accident. For this reason, you should have an insurance card in your car at all times, or else a copy of the bond that you deposited. This will prove that you are able to take care of the costs of an accident if you are at fault.
Auto Insurance in Wisconsin
Wisconsin’s state motto is “forward,” and these people are continually pushing forward to bigger and better things. The state of Wisconsin has highway and urban speed limits of 65, abiding by the rules of most other states as far as speed limits are concerned. There is also no law against cell phone use while driving, although Wisconsin does implore its residents to be careful while driving and not to make reckless decisions that may result in an accident. On the other hand, both driver and passengers are forbidden from having an open alcohol container. This helps to prevent a growing number of accidents. The state of Wisconsin is currently cheaper than many other states in auto insurance, with its residents paying about $200 less a year than the rest of the nation. If you would like to get a free quote on auto insurance in Wisconsin, simply enter your zip code at the top of the page.