Motorcycle Insurance Requirements in Wisconsin
What You Need to Know
As a motorcycle owner in Wisconsin, it's essential to be aware of the state's motorcycle insurance requirements. By law, all motorcyclists must carry proof of insurance when operating their vehicles on public roads. Failure to comply can result in penalties, including fines and license suspension.
Coverage Limits
The following minimum coverage limits are required for motorcycle insurance in Wisconsin: * Bodily injury liability: $25,000 per person/$50,000 per accident * Property damage liability: $10,000 per accident
Proof of Insurance
When you're stopped by law enforcement or involved in an accident, you'll be required to provide proof of insurance. This can be done by showing your insurance card or providing a copy of your policy. If you're unable to produce proof of insurance, you may be ticketed and your vehicle could be impounded.
Additional Coverage Options
In addition to the required coverage, you may want to consider purchasing additional coverage options to protect yourself and your motorcycle in the event of an accident. These may include: *
Collision coverage: Pays for repairs or replacement of your motorcycle if it's damaged in an accident. *
Comprehensive coverage: Covers damage to your motorcycle from non-accident-related events, such as theft, vandalism, or natural disasters. *
Uninsured/underinsured motorist coverage: Provides protection if you're injured or your motorcycle is damaged by an uninsured or underinsured driver.
Choosing the Right Policy
When shopping for motorcycle insurance, it's important to compare quotes from multiple providers to find the best coverage for your needs and budget. Consider factors such as coverage limits, deductibles, and policy costs. It's also a good idea to read reviews and check the financial strength of the insurance company you're considering. By following these requirements and considering additional coverage options, you can protect yourself and your motorcycle while enjoying the freedom of riding in Wisconsin.
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