Navigating Wisconsin Car Insurance

Wisconsin Car InsuranceWhile holding car insurance is a must in the state of Wisconsin, the hassle associated with it isn’t! Wrecktify Collision handles insurance claims regularly so we consider ourselves experts. We know being in an auto accident is stressful enough as it is, and we aim to help eliminate any unnecessary strain.

At Wrecktify, we take pride in our ability to walk you through each step of the repair process and answer any questions you have. We begin by giving a written estimate that includes all necessary information that you may need, and follow up by contacting your insurance company. We will work with any insurance company, but your provider may encourage you to contact a company they partner with. However, in the state of Wisconsin, it is your right to choose your repair auto shop. If you’re unsure of how to navigate the car insurance world, here are the basics.

Minimum Requirements

In Wisconsin, all drivers must meet the basic insurance requirements: liability, uninsured, and underinsured motorist. The minimal liability insurance needs to equal at least $25,000 per person for injury or death, $10,000 for property damage, and a total of $50,000 for multiple people in a single accident. Uninsured and underinsured requires the same, except for property damage. Of course, there are several additional optional coverage options. People commonly add collision, comprehensive, and/or medical. Remember to always carry proof of insurance in your vehicle!

Insurance Quote

There are several different factors that insurance companies take into account when quoting rates. Your car’s make, model, and year will be the first thing to consider, along with your driving record, credit history, insurance history, and the primary location your car is kept. For example, motorists who live in the city and park their car on the street are likely to be quoted a higher premium than those who live in the suburbs and park their car in a garage. Be sure to ask your insurance agent if they offer good driver, good student, multi-car, or homeowners discounts. If you package your homeowner’s insurance and driver’s insurance, you may be offered a lower rate as well.

Insurance Estimates

Auto estimates aren’t the same as quotes. Estimates are given based on pre-existing information the company has, not your actual information. This can be confusing, but unlike a quote, estimates are subject to change at any time. Once a quote is given and accepted by the customer it can’t be changed. It’s wise to compare quotes and estimates from different companies before you make your purchase. The more information you have, the more informed you can be to make the right decision for you.

How to Handle a Claim with Your Insurance Company

Once properly insured, you are safe to file claims if you are ever part of an auto accident. Getting your insurance company involved is the first step to getting your vehicle back into good condition. Although it isn’t necessarily a fun task, handling a claim can be less stressful if you follow these steps.

  • I’ve Been in an Accident, What Do I Do? If you find yourself a victim or cause of an unfortunate crash, hopefully everyone involved is not injured. Stop and make sure medical or police interference isn’t required first.
  • What Information Do I Need from the Accident Scene? Assuming no emergencies are present, you should now start gathering information and evidence of the crash. Take note of damages, vehicle information such as license plate numbers and vehicle registration, driver’s contact information and any witness contact information. You only need to provide contact and insurance information to the other driver; you should not share any other information that may appear to admit guilt or negligence. Doing this in a timely matter before any vehicles or witnesses leave the scene will be beneficial. Photographs and videos of damage, driver condition, weather conditions, traffic obstructions will also be valuable to note. Witnesses are under no obligation to speak with you but can be a helpful resource if they do.
  • When Do I Get My Insurance Company Involved? Call your insurance company as soon as possible, even if the accident is not your fault. An insurance company has the right to deny coverage if you neglect to report an accident and get sued later. You can report accidents through calling your insurance company or by using any mobile apps they provide. It is also good to call the other driver’s insurance company to file a claim with them too. Your insurance company will walk you through the process, asking for information you gathered above.

Let us lighten your load and help ease you through your auto repair! Once you bring us your claim number, we can do the rest! In Wisconsin, you have the right to choose your repair facilty. We work with all insurance companies and have a perfected repair process from years of experience. We strive for 100% customer satisfaction and hope to hear from you soon Contact us today!

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