If you’ve ever had to file a claim on your car insurance, you know how invaluable this critical coverage can be. If you have never had to use your coverage, it just might save you tens of thousands of dollars in repair and liability costs one day. Here at Mayville Insurance, we help Wisconsin drivers like you learn more about your car insurance options and the types of coverage you might need to minimize your risk exposure. Our team will be there to answer your questions, offer guidance and recommendations, and even help you with the claims process should you need us.
Types of Wisconsin Car Insurance
All drivers in Wisconsin need car insurance to meet the state’s financial responsibility requirements, but the types and amounts that are right for you depend on your individual needs. Some of the most common types of car insurance in the Badger State include:
What would happen if you were sued for causing an accident? You could defer to your liability insurance, but it can only protect you up to the limits listed within your policy. That is why we recommend purchasing enough liability insurance to cover a victim’s medical expenses and protect your income and assets against possible litigation.
Uninsured and Underinsured Motorist Protection
If you are hit by a driver, who is carrying inadequate insurance or no insurance at all, uninsured motorist protection and underinsured motorist protection help ensure the burden does not fall on you to cover your own losses.
Medical Payments Coverage
If you and your passengers are injured in an accident, medical payments coverage can help cover the cost of necessary medical expenses and funeral costs regardless of who was at fault for the collision. Even if you have health insurance, this type of coverage could be beneficial for offsetting your patient responsibility, such as copayments and deductibles.
An accident can inflict significant damage on a vehicle. Even what seems like a minor fender bender could cost thousands to repair. Collision insurance helps pay for the repair or replacement of your vehicle if it is damaged or declared a total loss in an accident.
Collisions are not the only thing that can threaten your vehicle. Many risks and perils can cause damages or loss, from severe weather events to theft and vandalism. Comprehensive insurance is vehicle coverage for damages caused by events other than a collision.
Rental Car Reimbursement
It can take many days to repair a vehicle or shop for a new one after an accident. It helps to know your car insurance can help cover the cost of temporary transportation until you have a vehicle that is up and running again.
No one wants to get stuck on the side of the road, but when it happens, you can count on this coverage to help you pay for towing charges, lockout services, or even assistance changing a flat tire.
Affordable Car Insurance in Wisconsin
At Mayville Insurance, our job is to ensure you never have to sacrifice quality of coverage for affordability. As an independent agency, our team shops around, comparing rates and coverage from multiple insurers until we find the policy that fits your needs. We can also help you uncover substantial discounts, including:
- Multiple policy discounts
- Multiple vehicle discounts
- Safe driver discounts
- Driver safety education discounts
- Good student discounts
- And more!
For more information about Wisconsin car insurance or to request your free quote, contact our office today.