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Is car insurance mandatory in the state of Wisconsin? (Example: If a person with car insurance hits someone without car insurance, would the person without car insurance be in any trouble for not having at least liability insurance although the accident is not his or her fault?) And what is the penalty (if any) for driving in Wisconsin without car insurance in your in a car accident?

The state of Wisconsin states that you have financial responsiblity. State law which requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Insurance is the usual method for providing this evidence to the state. They do require that you carry Uninsured Motorists Coverage, which is coverage designed to provide protection for the insured should he or she be included in an accident in which the driver at fault has no insurance (or not enough insurance) to cover the loss. If you do not comply with the specific state requirments your license and registration could be revoked.

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car insurance commentsUSER COMMENT: I lived in Wisconsin and you do not need insurance to register your car nor does anyone ask you to show proof. That is what I loved about there. A drunk hit me though, and I do not have insurance, but he payed for a whole new bumper no questions asked. If its not your fault, then you are fine w/out insurance. NOT RECOMMENDED
car insurance commentsAdded, no you will not be in trouble, I told the cop exactly what happened and you will not be ticketed nor will your plates be cancelled like some stupid states and there, whoever is at fault pays damages not like those ridiculous insurance laws of no-fault. Wisconsin is the best place to live if you are looking for simplicity.
car insurance commentsFinancial responsiblity, how often do drivers actually prove this or have this in WI that are not insured. I live in WI, my son was a passenger in a accident in an uninsured vehicle. The driver had nothing but the totaled car, it is just too bad. Until this happens to you or someone you love, I don't think it matters to most people.
Question Details
This car insurance question was asked on 9/19/2005
This auto insurance answer was last updated on 9/26/2005
Herb requested this car insurance solution.
Rated 2 out of 10 based on 4 votes.
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