Car insurers in Wisconsin are allowed to use credit reports as a rating factor.
If a company denies coverage based on your credit, you have the right to request a free copy of the report they viewed to verify the information it contains. The insurer will give you the address and phone number of the credit agency where you can obtain the report.
Other factors that insurers often take into consideration when determining your car insurance rate include:
- Prior insurance history
- Year, make, and model of your car
- Age, gender, and marital status
- Driving record and claims history
- ZIP Code where your car is parked
- Coverages, limits, and deductibles you choose
Penalty for not having the required coverage
Failure to show proof after accidents or at traffic stops can result in a fine of $10. Driving a car that's altogether uninsured can lead to a fine up to $500.
Electronic proof of insurance in Wisconsin
Just another reason for Wisconsin drivers to choose Esurance, our innovative mobile app provides 24/7 access to car insurance ID cards, policy documents, and more. Which is pretty cool, since Badger State law allows drivers to pull up proof of insurance on their smartphones if they ever get pulled over.
Alternative car insurance option
Drivers who can't afford a typical car insurance policy can apply for coverage through the state-sponsored Wisconsin Automobile Insurance Plan. Visit the Wisconsin Automobile Insurance Plan site for more info.
State insurance authority: Wisconsin Office of the Commissioner of Insurance
Determining fault after car accidents
Wisconsin is a tort-based state that uses the comparative negligence system. This means that drivers can sue for post-accident damages if another motorist was more than 50 percent at-fault for the incident. The amount you can recover is partially based on your own percentage of fault.
Uninsured drivers in Wisconsin
According to the Insurance Research Council, 11.7 percent of Wisconsin drivers were uninsured in 2012, slightly lower than the U.S. average of 12.6 percent.
Animals on the road
Wisconsin has among the highest frequency of deer-related car accidents in the nation. In fact, according to Wisconsin's Department of Transportation, collisions with deer account for about 15 percent of all total car accidents.
Comprehensive coverage can offer financial protection from animal-related accidents and more.