Auto Insurance is Changing
Here is What You Need to Know
700 West Michigan Street, Suite 360, Milwaukee, Wisconsin 414.291.5360 phone
FAQ’s About Changes to Wisconsin’s
Auto Insurance Laws
How will the new laws be enforced?
Enforcement of mandatory auto insurance will be under the jurisdiction
of local law enforcement personnel at the time of a traffic stop or a car
accident. Drivers who have insurance but are unable to provide proof
of insurance at the scene will be able to provide proof later and be
subject to a $10 fine.
Drivers with no insurance are subject to a fine up to $500.
Drivers who provide fraudulent proof of insurance will be subject to a
fine up to $5,000.
Will it be difficult to obtain auto insurance if I have been driving
without it until now?
Effective November 1, 2009 insurance companies may not place
drivers in a high risk category because they previously lacked auto
insurance. Other factors such as your driving record, will still be used
to rate your policy.
Are there other changes to Wisconsin auto insurance that will
Yes. In addition to the changes previously outlined, other changes
will affect the way in which auto accident claims are settled. One
such change is called “stacking.” Stacking allows Uninsured Motorist
& Underinsured Motorist coverages to be combined from multiple
policies if the at-fault driver insures more than one car.
Medical payment limits may also be stacked if the injured person or
persons were not occupying a vehicle when injured.
Stacking under the new laws will be limited to the combined coverage
of three household vehicles.
Will my auto insurance premium go up?
Auto insurance premiums are based on factors that include age,
experience, claims history, type of vehicle and many other variables.
The amount of coverage provided by an auto insurance policy is one of
Some insured drivers may experience a rate increase. If your current
coverage limits are below the new