Car insurance is a must for drivers in the Badger State. Imagine paying a $100,000 bodily injury court judgment out of your personal savings and future earnings. It may seem far-fetched, but people are sued every day for large amounts stemming from accidental injuries and damages. If the thought makes you cringe, there is good news. A well-constructed Wisconsin car insurance policy can help protect you and your money from expensive litigation, as well as a wide range of other scenarios that could threaten you, your vehicle, and your finances.
Wisconsin Car Insurance Coverage
Here at Gary Ellis Insurance, we custom build your car insurance policy to provide coverage that meets your needs. Although the limits, deductibles, and other factors may vary on your policy, your coverage will likely include a combination of several or all of the following types of coverage:
Liability
Liability insurance is required for motorists in Wisconsin. We typically recommend more coverage than the minimum limits, as you can be held financially and legally liable for any injuries or property damage you cause while operating your vehicle. Whether you hit a pedestrian, collide with another car, or run into someone’s fence, your liability insurance helps cover the costs. It can also help pay for your legal defense fees and court awards against you if you are sued for damages.
Collision
Collision insurance is coverage for damages to your vehicle in a car accident. Whether you collide with another vehicle or with an object, you are responsible for paying only a deductible. Insurance takes care of the rest.
Comprehensive
Like collision, comprehensive pays for damages to your own car. However, the damages must have resulted from an incident other than a car accident. Comprehensive claims might include damages from a hail storm, vandalism, a fire, or some other covered event. It can even provide compensation for your vehicle if it is stolen.
Uninsured/Underinsured Motorist
The odds of being hit by an uninsured driver are probably greater than you think. Uninsured motorist insurance helps cover your expenses if you are injured in an accident by an uninsured, at-fault driver. Similarly, underinsured motorist insurance helps bridge the gap between your injuries and the insufficient limits on an at-fault driver’s liability insurance.
Medical Payments
If you or your passengers are injured in an accident, medical payments provide automatic coverage for medical expenses regardless of who was at-fault for the accident.
Rental Car Reimbursement
If you need to have your vehicle repaired or replaced after an accident, this type of coverage can help you cover the cost of temporary transportation.
Towing and Assistance
Whether you lock yourself out of your vehicle, hit a nail going down the highway, or need to have your vehicle towed after an accident, your insurance can help cover the cost of labor and assistance, 24-hours a day.
Madison Car Insurance Quotes
Over the years, we have gotten to know our customers and the community very well. When you trust us with your car insurance needs, you can trust that you are working with a local office that will always treat you like family. As an independent agency, we represent many different insurance companies. We use those connections to shop for insurance from multiple carriers, comparing rates on the coverage you need and searching for valuable discounts to help save you money. We never want you to pay a penny more than you have to for car insurance.
Call us today for your free Wisconsin car insurance quote. We look forward to serving you soon.
