Wisconsin Auto Insurance

There will be no difficulties in life if everyone followed the rules; however this is not the case. Even though the law of every state has made auto insurance a necessity for all citizens but there are many people who ignore the law and drive vehicles without any insurance. There are many people who don't buy auto insurance but spend there money on something else. However, they don't realize that they are putting their life and property in serious risk. There are no reasons why people refuse to have auto insurance. If you are a resident of Wisconsin and want to drive you car legally on the road then you must have to get Wisconsin auto insurance policy for legal as well as safety reason. Wisconsin has been considered as such a state where drivers have to follow tort system strictly to drive vehicles on the road. Therefore it is mandatory for vehicle drivers to carry enough insurance proof while they are driving on the road. Otherwise they can be stopped by the law enforcement officer in the road for legal action. You also need to carry the bonds and the certificate of the insurance policy regarding to the state law. First up all you need to buy the minimum auto insurance policy to maintain the law of Wisconsin. Like other state, the auto insurance law is very strict in Wisconsin. Therefore, you need to understand the rules and regulation to bring more advantage for yourself.

Minimum law requirement for Wisconsin auto insurance

Like every state, Wisconsin has also some minimum requirement to get auto insurance coverage in the state. You need to fulfil those requirements according to the sate law. After fulfilling all the mandatory requirement of Wisconsin you will be eligible to drive your car safely on the road. These minimum requirements are the basic coverage. Drivers of Wisconsin need to purchase at least the minimum level of coverage fixed by the state law in order to stay legal. Bodily injury and property damage protection coverage are must to have for every driver. The bodily injury coverage covers the medical treatment expenses as well as lost wages. As per the law of Wisconsin the driver must have to carry $50,000 for injury or death of one person, $100,000 for the injury or death of more than one person and $15,000 for property damage. Without the minimum coverage, you can't be able to drive your vehicle legally.

Keep moving with insurance proof and avoid penalty

Every driver in Wisconsin must have to carry insurance proof to avoid jail or other penalty. You have to give fine up to $10 for not carrying proof of insurance and $500 for operating vehicle without insurance and $5000 for providing proof of insurance that is found duplicate. Property damage liability protection is required to cover the damage of vehicles as well as any public property due to an accident. The minimum amount required for this coverage is $55,000 under the sate law. The resident of Wisconsin also needs to purchase uninsured motorist coverage. This type of coverage comes in to play when the guilty driver in accident does not have insurance in place. The state Wisconsin follows a tort system and according to that the injured people have the right to collect damages for their medical expenses as well as lost wages. Having uninsured coverage will make a good sense in these circumstances.

Wisconsin Auto Insurance

Other optional coverage of Wisconsin auto insurance and their benefits

Like other state, Wisconsin has also some optional coverage for their citizens. After having the minimum liability coverage you can get some additional coverage for the better security of your life. Though minimum coverage are mandatory for the citizens but still you can have the freedom to take some additional coverage. These additional coverage are offer extra benefit to the consumer. It is also a wise thing to get some additional coverage except minimum coverage because nobody knows when the misfortunes arise. In this regard the Wisconsin auto insurance is offering several additional coverage, such as comprehensive auto insurance coverage, collision coverage, medical payment coverage and uninsured motorist coverage. Though these optional coverage are not mandatory in Wisconsin but having these coverage will make a great sense in your difficult time. Comprehensive coverage always helps when your vehicle is damaged due to fire, theft, vandalism and natural disaster. Collision coverage is there for you when your vehicle collides with other vehicles or object. Uninsured motorist coverage come into action when your vehicle accident with other driver who have no insurance.

DUI/DWI laws in Wisconsin

Like other state, Wisconsin has also implied the DUI laws to keep the road accident under control. The state of Wisconsin strictly bans the operation of vehicle by driver that has above .08% alcohol level in the blood. .08 is the standard measurement of BAC throughout the united sate for the impaired driver. The state of Wisconsin has implied lower BAC limit for commercial driver (.04) but it has zero tolerance for driver under age 21. DUI law of Wisconsin also restrict the driving of vehicles by drivers under the influence of marijuana, cocaine, inhalants and other intoxicants. If you are find first time guilty under the law DUI in the state of Wisconsin you will be fined up to $300 and revocation of driving license for six months or more. If you are driver under age sixteen then your penalty will be doubled. The court may ordered you to pay additional driver improvement surcharge of $355. The second time conviction under DUI laws in the sate of Wisconsin, the culprit driver have to be fined up to $350 to $1,100 and driving license suspension for one year or more. You can be sent to jail for minimum 5 days to 6 months. Your penalty charge will be doubled if you are a driver under age 16 and you have to pay additional charges of $355 for driver improvement program. After the second conviction, all vehicles that have under the offender's name may be subject to immobilization. If you are find third time guilty under the law DUI you have pay fine up to $600-$2,000. Your driving license will be revoking at least one year or may be more. You have to spend your time in jail for 30 days to 1 year. If you are a driver less than 16 years age then you have to pay additional charges of $355 in addition to the original fine. Most importantly all vehicles under your name will be subject to Ignition Interlock Device and you have to claim your charge under ten days to get back your license and the laps registration of your vehicles.