Automobile Insurance (FAQ)

What information is listed in the actual auto insurance policy that you are given by the insurance agent? Learn about the different important sections in every auto insurance policy below.

Declarations

Usually listed first in your auto insurance policy and unlike the remainder of your policy, it will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen.

• year, make,and model of your car
• VIN - vehicle identification number
• date the policy is effective
• policy's coverage types and limits
• policy's cost - premium
• name of the insured (you or you and your spouse)

Insuring Agreement

Lists exactly what the insurance company promises to provide in return for the payment of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision.

Exclusions

The insurance policy exclusions section is a list of all possible circumstances that would free the insurance company from the responsibility of paying a claim.

Example: most auto insurance contain an exclusion that exempts the insurance company from having to pay in the case of intentionally caused damage or injury.

Conditions

Lists the duties and responsibilities of the insured (You) in the event of a claim situation. Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too.

Fill out an online Wisconsin Auto Insurance quote request form.

Auto Insurance endorsements are policy extras for services such as towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

These auto insurance policies are not required by any state, but many drivers choose these services for the added security and convenience they provide.

• Wisconsin Rental Car Insurance

Covers the cost of a rental car while your insured car is being repaired because of a covered event.

• Wisconsin Emergency Roadside Insurance

Covers repairs done at the location of your automobile problem (roadside). This policy is often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location.

• Wisconsin Auto Glass Insurance

Offers a lower deductible or no deductible for when repairing any broken window on your car is required.

• Wisconsin Auto Towing Insurance

Covers costs involved for towing your car anytime you need it.

Fill out an online Wisconsin Auto Insurance quote request form.

Having a teenager included on your auto insurance policy will always cost substantially more, but there are ways to reduce the premium increase.

• The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle.
• Make sure your teen drives safely. One speeding ticket or fender-bender can send your teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV.
• Good student teen driver insurance rates can save up to 25% on your teenager's auto insurance if a "B" average is maintained.
• Assuming your teen keeps a good driving record, the cost of insuring them will decrease as they get older.

Fill out an online Wisconsin Auto Insurance quote request form.

Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. This coverage is required for Wisconsin auto insurance. The miniimum uninsured motorist limit available in Wisconsin is 100/300 and is explained in detail below.  Contact us at (920) 849-4534 to discuss what uninsured coverage amounts you require to meet your family and personal needs.

Example of uninsured motorist limits:

100/300

100=$100,000 (uninsured motorist maximum for one person injured in an accident.)

300=$300,000 (uninsured motorist maximum for all injuries in one accident.)

Fill out an online Wisconsin Auto Insurance quote request form.

Underinsured Motorist Bodily Injury Coverage

This type of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit.  Underinsured Motorist Bodily Injury coverage is mandatory in Wisconsin with a minimum limit of $100,000 for each person and $300,000 for each accident.

Underinsured Motorist Property Damage Coverage

Protects you if your auto is damaged in an accident caused by a driver who has insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in Wisconsin.

Fill out an online Wisconsin Auto Insurance quote request form.

Medical payments coverage pays for the medical and funeral expenses for you or others hurt or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. The minimum limit of coverage that can be purchased in Wisconsin is $10,000.  This is not a required Auto Insurance coverage in Wisconsin and can be rejected.

Covers damage caused to the insured's auto (your automobile) from risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen.

The lower the comprehensive coverage cost within the Wisconsin auto insurance policy.

Fill out an online Wisconsin Auto Insurance quote request form.