In Wisconsin motorists are not required to carry car insurance but are mandated to have financial responsibility. State law necessitates owners or operators of motor vehicles provide evidence that they have funds to pay for losses for which they might be responsible.

The requirements of the WI financial responsibility law may be met through carrying an auto liability insurance policy, putting up personal funds, a surety bond or certificate of self-insurance. So it may not be illegal to drive without insurance on your vehicle in Wisconsin if you have fulfilled the FR law in another way.

If the other driver was not carrying insurance nor fulfilled the financial responsibility law in another way she could be cited for this and thus have to face penalties which might include the loss of driving privileges or car registration. However, since you were cited for failure to yield, it would appear that you were at-fault in the accident and thus would be responsible for the damages that were received by both vehicles.