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QuestionInsurance Question  I live in Wisconsin and have 2 vehicles. I no longer have insurance on my second vehicle because I don't drive it. Someone else drove my vehicle, was pulled over and my car is impounded (for reasons I won't go into). I heard that I have to show proof of insurance before my vehicle is released in the State of Minnesota, even though in Wisconsin it is not required to carry insurance. Is this true?

AnswerAuto Insurance Answer

If insurance is required on vehicles in Minnesota then likely if you cross over the border from Wisconsin to MN, you need to have insurance on the vehicle to drive on their roadways. Typically if you have insurance on a vehicle in one state it will extend and cover your car in another state. If you do not have insurance on a car and travel out of state to a state that requires vehicles on its roadways to be insured, then you need to comply with the laws of that state.

Wisconsin has a financial responsibility law that pertains to any motorist licensed to drive in Wisconsin. This law is designed to make sure anyone operating a vehicle has insurance or enough money to pay for damages to others that may have been caused by a motor vehicle. These requirements may be met through an automobile liability insurance policy, a surety bond, personal funds or a certificate of self-insurance.

In Minnesota, chapter 169 of their Statutes state that every driver shall have proof of insurance in their possession at all times when operating a vehicle. The driver needs to produce, on demand, proof of insurance in force covering the vehicle being operated. Statute 169.791 goes on to say that a driver who is not the vehicle owner may not be convicted unless the driver knew or had reason to know that the owner did not have proof of insurance.

So in Minnesota it could very well be true that you have to show proof of insurance to get your car out of impound even though the car is from WI. To find out for certain what the requirements are to get the vehicle back in your possession, try contacting the law enforcement agency that placed the car there. They should be able to give you information on what steps you need to bring your car back home to Wisconsin.

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