In Wisconsin, drivers are required to have three different forms of liability insurance coverage: these include bodily injury insurance, property damage insurance, and uninsured and underinsured insurance. With these different forms of auto insurance in place, Wisconsin drivers do not have to worry about paying for property damage or bodily injuries that occur from an accident that is the fault of the insured driver. These types of insurance also protect the insured driver when he or she is injured or is in an accident with someone who does not have insurance or who has an inadequate amount of insurance coverage.
The liability limits in Wisconsin are 25/50/10. As a result, Wisconsin drivers are required to have $25,000 worth of insurance coverage per person injured in an accident. In addition, Wisconsin drivers are required to have $50,000 in coverage for the injuries that occur in an accident. Wisconsin drivers also must carry $10,000 in property damage coverage because of an accident. Drivers in Wisconsin also must have uninsured and underinsured insurance coverage in place.
Bodily Injury Liability, or BI for short, is required of Wisconsin drivers as well. Bodily Injury Liability coverage protects the insured driver if he or she causes an accident and someone is injured or killed. This form of liability insurance protects the insured driver and any passengers that involved in the accident. The coverage must provide $25,000 of coverage per person involved in the accident and must provide $50,000 per accident.
Property Damage, which is known as PD for short, must provide at least $10,000 of coverage per accident. This type of liability insurance is put into in order to cover the insured driver’s expenses when he or she causes an accident that results in property damage. The Property Damage insurance is then used to cover the costs associated with repairing property or replacing damaged property.
Wisconsin Drivers also must carry underinsured and uninsured coverage in the amount of $25,000 per person and $50,000 per accident. This type of insurance covers the Wisconsin driver if he or she has an accident and the other party does not have insurance or has an inadequate amount of insurence coverage. This insurance covers the insured driver he or she is involved in an accident with a hit and run driver.
All Wisconsin drivers must prove that they have auto insurance coverage before they can get their vehicles registered in the state. Drivers can also prove their coverage using a variety of different methods. For example, Wisconsin drivers can show their temporary insurance card that was issued by the insurer. Another option is for a driver in Wisconsin to use the premium receipt or show the insurance binder that was issued by an insurance agent.