The state of Wisconsin has a financial responsibility (FR) law that applies to any motorist licensed to driven in WI. This FR law is intended to make certain that anyone operating a motor vehicle has insurance or enough money to pay for damages to others that may have been caused by their vehicle.

The requirements of the financial responsibility law may be met through an automobile liability insurance policy, personal funds, a surety bond or a certificate of self-insurance. The easiest and most often used method of meeting the FR mandates is for a motorist to purchase car insurance for their vehicle.

If a driver or vehicle owner decides to comply with the FR law by choosing auto insurance there are minimum liability limits set by the state of 25/50/10. These numbers stand for $25,000 for one person in one accident injury or death; $50,000 for injury or death of 2 or more people in one incident; and $10,000 for property damage caused in one accident. The Wisconsin insurance also requires uninsured motorist bodily injury coverage of $25,000/$50,000.

So as you can see it may not be illegal to drive without insurance on your vehicle, if you have fulfilled the Financial Responsibility law in another way, but if you have not than you would likely be cited for driving without insurance if asked for proof of financial responsibility and were unable to provide it.

Why auto insurance is needed is explained by the FR law in that it wants motorist to be able to pay for damages they might cause others. Also as a motorist, car insurance helps protect your assets by your insurance policy covering damages you caused to others instead of the other party coming after you personally.

Getting starting now on getting the require WI insurance by getting a free auto insurance quote.