There are many different forms of Wisconsin car insurance available today.
By understanding the differences that exist between the multiple forms coverage comes in, and by also understanding the importance of having enough of each form of coverage, you will be able to easily find the right amount of coverage to keep yourself safe while on the road.
One of the most important forms of car insurance coverage available today is bodily injury liability.
This type of coverage is very important, because it protects drivers against costs associated with damages done to other drivers and individuals on the road.
Since medical bills have become increasingly costly, and drivers are more apt to sue other drivers today than ever before, this type of coverage can be very valuable if you happen to hit another driver while on the road.
In order to protect drivers from lawsuits, and to protect individuals who are damaged by drivers on the road, many states have mandated bodily injury liability minimums too.
Wisconsin in particular requires all drivers to cover 2 passengers with $50,000 per person.
This requirement makes policies more expensive, but it keeps everyone protected on the road and your insurance company only has to pay out money if you are declared to be at fault after an accident.
Drivers are also required to maintain property damage liability protection as well, because this type of protection keeps all drivers safe from careless drivers on the road.
If you are obtaining your policy in Wisconsin, you need to buy $15,000 worth of property damage liability.
If you are ever in an accident, and the accident is deemed to be your fault, your coverage will protect you up until this amount is reached.
If the damages exceed the amount of protection you have purchased, you may be liable for any additional damages that must be paid for.
Drivers who attempt to drive without this coverage place their licenses at risk.
In most states, a first offense often results in a fine of a few hundred dollars.
If a driver is caught without a sufficient amount of protection a second time, their license may be suspended and possible jail time may result due the driver's failure to purchase additional protection.
As you can see, it is very important that you maintain the minimum levels of Wisconsin car insurance that are mandated in your area.
By purchasing the legal minimums, you can keep yourself protected from accidents and the law.
If you would like to also keep yourself protected from extremely costly accidents, you may even want to purchase more protection than the amount that is currently required by law.