Normally an auto insurance policy will automatically provide you with the basic insurance required by other state or Canadian Province in which you are driving. Thus typically if you have insurance on a vehicle in one state it will extend and cover your car in another state by conforming to at least that state's minimum auto insurance requirements.

The Wisconsin Commissioner of Insurance site even notes that Wisconsin auto policy limits will be interpreted to provide at least the minimum limits required by the laws of the state in which you are operating your vehicle when you travel out of state in your vehicle. The same should hold true for Michigan drivers operating their cars out of state.

So you should contact the at fault party's Michigan insurance company to see if they are going to provide you with basic Wisconsin insurance coverages and limits. If they are then you should be able to make a claim for your vehicle's damages through property damage liability coverage with limits of $10,000.

If for some reasons you could not place a claim through the MI driver's auto insurance then you could place a claim with your own collision coverage. If you do not have this type of coverage then you may check with the WI Commissioner of Insurance for consumer help.

Just for general knowledge, if one of the Michigan resident drivers were injured this auto accident that occurred in another state other then MI, then they would still be entitled to Michigan No-Fault Benefits, with some exceptions.

If a car accident occurs in another state, a Michigan resident may elect to receive Michigan no fault first party benefits. Or, if the state where the auto accident took place is a pure tort state, the injured accident victim may choose to claim medical bills and wage loss in a lawsuit against the negligent out of state driver.