Wisconsin Insurance You Need for Your Life!
In Wisconsin, insurance is a fact of everyday life. If you own a car, home, business, or simply want to
protect your family’s health, you have to deal with insurance. It often seems like an overwhelming and
confusing process, but it does not have to be.
Based in Wisconsin, Affordable Wisconsin Insurance provides free online insurance quotes for you to
compare from leading insurance companies & agents within Wisconsin. NO longer will you have to spend
countless hours shopping around to find affordable insurance.
In Wisconsin, insurance is a fact of everyday life. If you own a car, home, business, or simply want to
protect your family’s health, you have to deal with insurance. It often seems like an overwhelming and
confusing process, but it does not have to be.
Based in Wisconsin, Affordable Wisconsin Insurance provides free online insurance quotes for you to
compare from leading insurance companies & agents within Wisconsin. NO longer will you have to spend
countless hours shopping around to find affordable insurance.
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INFORMATION SOURCE: IIAW (Independent Insurance Agents of Wisconsin)
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Auto legislation signed into law effective 11/1/11 reverses many of the auto law changes that went into
effect in November of 2009. The major changes within 2011 WI Act 14 are:
Auto Liability:
• Required minimum limits are changing from 50/100/15 to 25/50/10. Auto liability coverage is still
required by law.
Auto Medical Payments:
• Required minimum limits are changing from $10,000 to $1,000. Customers still have the option to reject
this coverage. (signed rejection still required)
Uninsured Motorists Coverage (UM):
• Required minimum limits are changing from 100/300 to 25/50. UM coverage is still required by law.
• The definition of an uninsured motor vehicle is being amended to clarify that a governmental unit cannot
be considered an uninsured motor vehicle, and to tighten requirements in situations where a “phantom
vehicle” causes bodily injury.
• Insurers will no longer be required to offer UM coverage on umbrella/excess policies.
Underinsured Motorists Coverage (UIM):
• UIM coverage is no longer required by law. Auto insurers are required to explain and offer this
coverage in writing. (a signed rejection of UIM coverage is not required)
• If UIM is purchased, the minimum required limits will be changed from 100/300 to 50/100.
• Insurers will no longer be required to offer UIM coverage on umbrella/excess policies.
• The definition of an underinsured motor vehicle is being revised to be one with liability limits that are
lower than the limits of the insured’s underinsured motorists coverage.
effect in November of 2009. The major changes within 2011 WI Act 14 are:
Auto Liability:
• Required minimum limits are changing from 50/100/15 to 25/50/10. Auto liability coverage is still
required by law.
Auto Medical Payments:
• Required minimum limits are changing from $10,000 to $1,000. Customers still have the option to reject
this coverage. (signed rejection still required)
Uninsured Motorists Coverage (UM):
• Required minimum limits are changing from 100/300 to 25/50. UM coverage is still required by law.
• The definition of an uninsured motor vehicle is being amended to clarify that a governmental unit cannot
be considered an uninsured motor vehicle, and to tighten requirements in situations where a “phantom
vehicle” causes bodily injury.
• Insurers will no longer be required to offer UM coverage on umbrella/excess policies.
Underinsured Motorists Coverage (UIM):
• UIM coverage is no longer required by law. Auto insurers are required to explain and offer this
coverage in writing. (a signed rejection of UIM coverage is not required)
• If UIM is purchased, the minimum required limits will be changed from 100/300 to 50/100.
• Insurers will no longer be required to offer UIM coverage on umbrella/excess policies.
• The definition of an underinsured motor vehicle is being revised to be one with liability limits that are
lower than the limits of the insured’s underinsured motorists coverage.
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