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Auto Coverage
Auto insurance protects you from financial loss if you have an accident. The policy is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay for your losses as defined in your policy.
Auto coverage provides:
Liability - pays for your legal responsibility to others for bodily injury or property damage. This coverage also applies when you are driving someone else's car.
Medical - pays for the cost of treating injuries, rehabilitation or funeral expenses for the driver and passengers of the policyholder's car.
Physical Damage Coverage - pays for damage to your car.
Collision - pays for damage to your car as a result of a collision with another object (car, wall, pothole). This coverage usually carries a deductible.
Comprehensive/Other than Collision - pays for loss or damage caused by something other that a collision (theft, vandalism, glass breakage, fire, animal hit). This coverage also usually carries a deductible.
Uninsured and Underinsured Motorists - will reimburse you, your family or a designated driver if one of you is injured by an uninsured or hit and run driver or an at fault driver who does not have sufficient insurance.
Extra Coverages - Includes towing, labor rental expense, and loan/lease gap coverage. These are usually "add-ons" or optional endorsements to your policy.
Most states require you to carry some coverage. Wisconsin is not a mandatory insurance state but if you have an at fault accident you are required to show financial responsibility or proof that you will pay for damages.
We recommed the highest limit of liability coverage which is affordable to you. We also encourage higher deductible to keep your costs down.
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