What you need to know about your Auto and Home Insurance in Dairyland?
Auto insurance is mandatory in Wisconsin. Meaning, all drivers in Dairyland, WI are required to carry auto insurance policy when operating a motor vehicle in the state. With your auto insurance from Jensen-Sundquist Insurance Agency, you can cover costs associated with automobile accidents and protect yourself financially in the event of a car crash.
Read on to learn more about everything you need to know about auto insurance in Dairyland, WI.
PARTS OF AN AUTO INSURANCE POLICY
The first part of the auto insurance policy is called the “declarations page,” which defines the amount of the listed coverage options. The second part of the insurance policy includes the actual contract language. The section describes Jensen-Sundquist Insurance Agency’s responsibilities and rights of policyholders, as well.
Your auto insurance policy may also contain a third part called the endorsement section, which modifies the insurance policy. All details including the other security options that could be personal funds or surety bond can be confirmed at the Department of Transportation, Division of Motor Vehicles (DMV).
Therefore, it is important to read and understand all the details of your policy keenly because some policies may not contain all the general provisions. Also, you should consult with your insurance agent for clarifications in case you don’t understand certain clauses. Your Jensen-Sundquist Insurance Agency auto policy covers you, your family members, and anyone to whom you have permitted to operate your vehicle.
What are the minimum limits I can purchase In Wisconsin?
Your auto insurance policy must have $25,000 for injury or death of one person, $50,000 for injury or death of more than two people, and $10,000 for property damage per accident. It is advisable to purchase more coverage than the state’s minimum requirements, at an additional premium, in order to adequately protect your savings and assets.
TYPES OF COVERAGES
• Bodily liability coverage
This coverage is not designed to protect your car directly. In the event of an accident whereby you have caused bodily injury to other road users, the coverage will protect you against claims filed by the injured persons. Jensen-Sundquist Insurance Agency will cover these claims in terms of paying medical bills, lost wages, and other related losses such as suffering.
The agency will also pay if the car crash was caused by a family member in your household or another driver whom you permitted to operate your vehicle. It is important to know that this a compulsory liability coverage that doesn’t cover for any bodily injury you may sustain as a result of the accident.
• Property damage liability coverage
If you cause damage to other people’s property such as a damaged wall or crushed fender, the coverage will come in handy. Your auto policy will only pay for the damage caused if you or another permitted driver was operating the car at the time of the accident. The policy will also pay for damage caused to government property up to the limit you choose.
• Uninsured motorist (UM) coverage
If you or family members get involved in an accident with an uninsured or hit by a random hit-and-run motorist, the coverage option will cover the sustained bodily injuries. The coverage also applies when you or your family member has been hit by an uninsured or hit-and-run driver and injured as a pedestrian. In other words, the uninsured motorist coverage in your auto policy will pay you for losses caused by someone else.
The minimum amount of UM coverage per person in Wisconsin is $25,000 and $50,000 for bodily injury only per accident. If you feel the need for more protection, you can purchase more than the minimum coverage required by the state.
UM doesn’t cover damage to your car or protect the other driver. That is why your insurance company may choose to sue the other driver for the money it pays you because of his or her negligence. While underinsured motorist (UIM) is not mandatory, it will cover any losses that may have been caused by a driver who doesn’t carry sufficient liability coverage.
GET YOUR AUTO INSURANCE COVERAGE TODAY!
Protect yourself financially by purchasing adequate auto insurance coverage. Are you looking for affordable auto insurance in Dairyland, WI? Don’t hesitate to contact us, at Jensen Sundquist Insurance Agency today.
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