WI Auto Insurance for Low-Income People in Wisconsin | WI Drivers Will Need Car Insurance by June!
If You're a Wisconsin Auto Driver or WI Motorist, You will Need Auto Insurance by June 1st, 2010.
On June 1st, 2010, it will be illegal for Wisconsin motorists to drive without auto insurance. The new Wisconsin mandatory auto insurance law, however, won't necessarily force motorists to prove they have auto insurance, unless they are pulled over by police for an unrelated traffic violation . . . so exactly how many Wisconsinite's will obey the new law and obtain a auto insurance policy is anyone's guess and yet to be seen.
Also working against buying Wisconsin auto insurance will be the increase in policy coverage costs. Advocates for Wisconsin's working poor say people who now drive without auto insurance will be even less able to afford it because changes in the law make minimum coverage more expensive and more unaffordable.
Regardless, auto insurance will be required by all motor vehicle drivers in the state of Wisconsin starting June 1, 2010, and although all of the details may not yet be worked out, this much seems clear:
• Wisconsin drivers will be required to carry "proof of auto insurance" with them - have an insurance card or letter issued by an insurer which states the driver of the vehicle actually has auto insurance.
• If a driver is stopped on suspicion of even the most minor of traffic violations, the police officer can request proof of insurance. The officer will be able to issue a $10 ticket to those who have insurance but don't have proof with them. Those who don't have insurance can receive fines up to $500. (To the best of our knowledge, it has not yet been determined how police officers will discern the difference between a person who doesn't have insurance or simply doesn't have proof of insurance on them?)
• Underinsured motorist coverage, which has been optional, will now be required for Wisconsin state drivers on new or renewed policies starting Nov. 1, 2009.
• Wisconsin motorists will now need to have a policy providing at least $50,000 in bodily injury coverage for one person, $100,000 in bodily injury coverage per accident and $15,000 to cover property damage. The current limits are $25,000, $50,000 and $10,000, respectively. The higher limits go into effect Jan. 1, 2010.
Based on what we've seen through our years of experience, most Wisconsinite's are probably already insured with or on average carrying $100-$300 ($100,000 bodily injury coverage for one person and $300,000 per accident) as a standard, so this will probably not make a large impact on the average Wisconsin auto insurance consumer.
However, some Wisconsin motorists will be hit harder by the new mandatoryWisconsin insurance law than others and some Wisconsin drivers may be hit very hard. The people that will be affected most, of course, are Wisconsin's working poor, low-income earners who need their cars to get to work, but don't have and and won't have the money to purchase auto insurance. Because of this predicament, in all liklihood, Wisconsin's working poor could potentially end up getting hit with fine after fine, if they get caught driving without mandatory Wisconsin auto insurance coverage. If Wisconsin's poor cannot afford auto insurance now, this new mandatory Wisconsin insurance law is not going to do anything positive to improve the financial position of Wisconsin's low-wage earners and Wisconsin's working poor.
Save money on Wisconsin Car and Auto Insurance Now. Visit Richards Insurance, Independent Insurance Agency online today and get a "Quick Quote." Go to www(dot)RichardsInsure(dot)net and get a Auto Insurance Rate Quote Today! For more information contact Richards Insurance Agency, LLC (608) 585-2137, (608) 647-6203, Mobile (608) 604-4899, Toll Free (877) 647-6203 or email us at info(at)RichardsInsure(dot)net.
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