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Tickets and at fault accidents can have a very negative effect on your premiums. Young drivers should be especially aware of this as they are charged the highest rates due to lack of driving experience. Here is a brief summary of auto insurance coverages:

Auto Insurance

* The above descriptions are generalizations and should not be relied upon when determining coverage. You must refer to actual policy wording when determining whether or what type of coverage applies

Generally this is coverage needed to cover custom or non-manufacturer installed equipment.

Special Equipment

Pays up to limit selected to rent a replacement vehicle should yours be laid up for repairs as a result of a covered “other than collision” or collision claim. This does not provide coverage if your vehicle is in for mechanical repairs. This coverage is not related to the coverage you need to cover a rental vehicle.

Car Rental

Pays up to limit selected for towing bills or emergency road service as a result of mechanical breakdowns. No deductible applies.

Emergency Road Service

Pays for damage to your auto caused by a collision. Your deductible applies. In cases where your vehicle is parked and hit by a hit and run driver it is a collision claim. This coverage is frequently used even in case of a not at fault accident in order to expedite repairs or in cases where the other driver is uninsured. Towing bills resulting from an accident are covered under collision coverage.

Other Than Collision

Basically the same as uninsured motorist but coverage starts when the other drivers bodily injury limits are exhausted.

Underinsured Motorist (Bodily Injury Only)

Pays damages you are legally entitled to recover because of bodily injury or death caused by uninsured or “hit and run” vehicles. You can rely on your health insurance to cover medical bills. If your health insurance is inadequate this coverage would apply. This coverage would also provide coverage for lost wages and “pain and suffering” damages resulting from the accident.

Uninsured Motorist (Bodily Injury Only

Pays up to policy limits for reasonable medical expenses for you and people in your vehicle incurred within three years of the accident. This coverage was designed to cover the deductible on your health insurance policy.

Medical Payments

Protection against financial loss should your auto damage the property of others and you would be held liable.

Property Damage Liability

Protection against financial loss should your auto injure or kill others and you would be held liable. Basically this would cover the injured person’s medical bills, lost wages and “pain and suffering.” Defense cost coverage would cease once your insurance company paid the limits on your policy. A personal umbrella liability policy could provide an extra $1,000,000 or more in protection over and above your liability limits

Bodily Injury Liability

To keep your rates down it is important that you keep a clear driving record. 

We are an “Independent” Insurance Agency and we can provide quotes through seven standard markets for personal auto insurance.

Wisconsin is now a mandatory auto insurance state as are nearly all of the other states. Proof of insurance should be carried in your vehicle at all times. Failure to provide proof of insurance when requested could result in a fine of up to $500.

In instances where one has their license suspended or revoked it may be necessary to have an insurance company file proof that you carry insurance in the form of an SR-22 filing. We represent several companies that will do these filings.