Driving is a privilege – one that comes with certain responsibilities. One of those is purchasing auto insurance that provides liability coverage if you cause an accident. In Wisconsin, all motorists must have insurance that meets minimum state standards. Here at First National Insurance, however, we believe that drivers need more coverage than what is required by law. We can help you build a policy that not only protects you against accident liability, but also covers your car and you and your passengers against potential damages and injuries.
Liability coverage pays for legal fees and court costs when someone sues you for compensation of accident-related damages, regardless of whether you win or lose your defense. If you are found liable for the damages, liability insurance can cover a victim’s medical bills and other losses awarded via judgment or settlement, up to the limits of your policy.
If you choose liability limits that are too low, you may have to pay for excess damages out of pocket. For example, choosing a $10,000 property damage limit would not be enough to cover the replacement of a victim’s $40,000 SUV you damaged in a collision. You may be personally responsible for paying the remaining damages from your savings and assets or your future income. The costs could be much higher if you injure one or more people or cause an accident that results in a fatality. Instead of putting your financial future at risk, we recommend talking with your agent to determine how much accident liability insurance may be right for you.
Vehicle Damages Coverage
It can cost thousands of dollars to repair a vehicle when it is damaged in a collision or by some other incident, such as wind, hail, or a run-in with a deer standing in the middle of the road. When the damages are severe, the vehicle may be irreparable, forcing you to purchase another vehicle or rely on alternative transportation.
Collision and comprehensive insurance coverages can protect you against damage or loss of your vehicle due to a covered reason. Claims are typically subject to a deductible, and insurance compensates you for the damages up to the limits of your policy, which is often contingent upon the cash value of your car. Some insurers offer extended coverage for physical damages that may cover the cost of replacing your vehicle with a new one. However, these options are limited and often subject to vehicle age and other factors. Talk to your agent to find out more about your collision and comprehensive insurance options.
In addition to liability and physical damages coverage, your auto insurance policy may also cover:
- Injuries caused by uninsured motorists
- Medical payments or Personal Injury Protection for you and your passengers
- Rental car reimbursement
- And more
Wisconsin Auto Insurance Quotes
If you need personal auto insurance coverage in Wisconsin, First National Insurance can help. As an independent agency, we can shop and compare coverage from multiple insurers to find competitive rates on the insurance you need. We can also help you find ways to maximize your savings, such as by qualifying for discounts offered by your insurer. These may include rate reductions for insuring more than one vehicle on the same policy, completing a driver safety course, or even maintaining good grades if you are a high-school or college student.
For more information about Wisconsin auto insurance or to request your quotes, contact our office today.