Wisconsin Auto Coverage Requirements
This chapter covers the coverage rules a Wisconsin producer must know to place personal auto correctly: the compulsory liability limits, mandatory uninsured motorist coverage, and Wisconsin's at-fault (tort) approach to the right to sue.
Compulsory Liability and Uninsured Motorist Coverage
Wisconsin requires minimum auto liability of $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage (25/50/10), verified this session via a state auto-insurance requirements source. Wisconsin also requires uninsured motorist (UM) coverage for bodily injury at minimum limits of $25,000 per person and $50,000 per accident. These are minimums that can change by law; verify the current figures with the Office of the Commissioner of Insurance.
An At-Fault (Tort) State, Not No-Fault
Wisconsin follows a traditional at-fault (tort) system rather than no-fault: the insured can seek damages from the at-fault driver, and the injured person keeps the full right to sue. This distinguishes Wisconsin from the roughly a dozen true no-fault states that restrict lawsuits below a threshold. First-party medical payments coverage may be added by endorsement but is not a mandatory no-fault benefit. Because states periodically revisit their auto systems, confirm the current framework with the Office of the Commissioner of Insurance when advising clients.