State Requirements

Wisconsin State Requirements

On January 1st, 2010, state law will require the following limits:

Bodily Injury and Property Damage (BI/PD)
Limits cannot be less than $50,000/$100,000/$15,000 (50/100/15).
Those who have lower BI/PD limits will see their limits increase to 50/100/15 at renewal.
Anyone with a $100,000 combined single limit (CSL) will see an increase to $125,000 at renewal.

Uninsured Motorist (UM) and Underinsured Motorist (UIM)
Coverage cannot be less than $100,000/$300,000 (100/300).
Those with coverage limits lower than 100/300 or with $100,000 CSL, will see coverage increase to 100/300 at renewal.

UIM coverage (Underinsured Motorist)
Will be added to policies at renewal at 100/300 for those who do not have the coverage.  Coverage can no longer be rejected.

UM and UIM
Will be stacked, meaning that you can multiply the limit for a single vehicle by up to three vehicles on the policy, for higher total limits.  For example, if you have UM or UIM limits at $300,000 CSL and you have 2 vehicles on your policy, you would effectively have limits of $600,000 CSL under the new law.  Most companies will endorse their policy to avoid this.

Med Pay Coverage
Cannot be less that $10,000.  If you currently have a lower med pay coverage limit, your limit will increase to $10,000.  You will have the option to drop this coverage if you do not want med pay.  For those who have previously rejected this coverage, it will still be rejected on your policy at renewal, unless you contact us to add med pay to your policy.