Wisconsin Car Accident Insurance Defined
Posted by rozeklawoffice on May 1, 2010 under General | 
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Wisconsin recently enacted a set of laws that make changes to your auto insurance coverage. Beginning June 1, 1010, Wisconsin will join 48 other sates that require all auto owners to carry insurance on each of their vehicles. Below is a summary of the insurance you are required to carry if you own and operate a car in the State of Wisconsin.
Bodily Liability Insurance: If you are in a car accident and cause injury to the other car’s passengers or injury to passengers in your own car, then this coverage would cover those expenses, up to a certain amount. Typical expenses covered include the other person’s medical expenses, lost wages, pain and suffering. The coverage only kicks in if you are determined to be more at fault than the other person who suffers the injury. As of January 1, 2010, you are required to carry a minimum liability coverage of $50,000 per persona or $100,000 per accident.
Property Damage Liability Insurance: If you are in an accident and cause damage to the other person’s property (typically their car, but could include other physical property) then this coverage would cover the repair expenses of the other person’s vehicle, up to a certain amount. Typical expenses include vehicle damage, bicycles, homes, and other physical property). This coverage does not apply to the damages that occur to the vehicle you were driving. As of January 1, 2010, the minimum coverage you must purchase is $15,000.
Underinsured Motorist Coverage: If you are in a car accident, a bicycle accident, pedestrian accident caused by the other driver, you have suffered an injury, and the accident was caused by someone who did not have enough insurance to cover your medical bills and other injury related expenses,then your Underinsured Motorist Coverage will cover these expenses. As of November 1, 2009, the coverage became mandatory in the amount of $100,000 per person and $300,000 per accident. This is a new type of required insurance for State of Wisconsin drivers.
Uninsured Motorist Coverage: If you are in an accident, caused by the other driver, you or someone in your car is injured, and the other driver does not have auto insurance, this coverage would pay for everything that your own auto insurance would. Typical expenses include medical expenses, lost wages, pain and suffering. This coverage will even apply if you are riding in someone else’s car, riding a bike, or walking. Many times, it also applies if you are involved in a hit and run, caused by the other driver, and the other driver can not be identified. As of November 1, 2009, the amount of coverage your are required to carry increased to $100,000 per person or $300,000 per accident.
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If you believe that your insurance company is not treating you fairly by denying you coverage after a car accident, we encourage you to contact an experienced Wisconsin Car Accident Attorney who can review the specific details of your accident and policy.
You can also contact a Milwaukee Car Accident Attorney for your free copy of the Wisconsin Association for Justice Brochure email info@rozeklaw.com or call 1-888-ALAWYER.
