Uninsured Motorist Coverage — Wisconsin
Uninsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient limits.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured motorist coverage is your financial backstop when the at-fault driver has no insurance or their liability limits are too low to cover your losses. It pays for your medical expenses, lost wages, pain and suffering, and — if you add uninsured motorist property damage — repairs to your vehicle. The coverage steps in only after you've exhausted the at-fault driver's liability policy, or when no policy exists at all. In Wisconsin, you must be offered this coverage when you buy a policy, but you can decline it in writing.
Who Needs Uninsured Motorist Coverage Insurance?
If you're working through license reinstatement after a suspension, uninsured motorist coverage matters more than it does for drivers with clean records. Wisconsin doesn't require you to carry it during reinstatement, but a second accident — even one caused by an uninsured driver — can trigger a new suspension if you can't pay the medical or repair bills out of pocket and the other driver has no coverage. Carriers offering SR-22 policies frequently bundle uninsured motorist coverage into their standard packages because suspended drivers statistically encounter more uninsured motorists in post-suspension years.
Compare your health insurance out-of-pocket maximum to the cost of uninsured motorist bodily injury coverage.
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