Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 27, 2021

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Back in 2009, we noted that the Wisconsin legislature approved an increase in the state mandatory minimum car insurance limits from 25/50/10 up to 50/100/15.

Well…we’re now taking it all back.

On Tuesday, Governor Scott Walker approved a Senate proposal that repeals the increases in auto insurance coverage.

So what are Wisconsin minimum insurance requirements now?

This means drivers will once again need to carry the minimum liability requirements of $25,000 for bodily injury liability coverage per person, $50,000 for bodily injury liability per occurrence, and $10,000 for property damage.

In addition to the lower liability limits, the Wisconsin underinsured/uninsured motorist coverage limits will revert back to 50/100, which is where they were prior to the hike in 2009 when they were upped to 100/300.

The repeal bill would also ban “stacking” of car insurance coverage.

“Stacking” refers to a loophole in some state’s insurance laws in which a particular coverage “follows” a vehicle.

Insured are able to “stack” the coverage from all of their vehicles in the event of an insurance claim in order to recover more damages from a single car accident.

Drivers of motor vehicles are also required to show proof of insurance at traffic stops or accidents if requested by law enforcement officers.

You’re not required to show proof of insurance when getting a driver’s license or registering your vehicle, unless requested by the DMV.

So, your auto insurance policy needs to consist of liability coverage for bodily injury, liability coverage for property damage liability and uninsured motorist coverage. Additional coverage includes underinsured motorist coverage, medical expenses coverage, collision coverage and comprehensive coverage. However, all of these are optional coverage.

While the minimum insurance requirement is predetermined, that does not stop you from getting more coverage if you want. You may choose more coverage to protect your financial assets, vehicle and passengers.

Contact a local independent insurance agent to ensure you’re getting the most comprehensive auto insurance coverage at the lowest available insurance premium.

Auto insurance companies will be changing their auto insurance rates as a result of this legislation, making it the perfect time to do some shopping.