One of the major events in many people’s lives is earning the privilege of driving a motor vehicle. Everyone who drives an automobile has the responsibility not only for operating a safe vehicle in a safe manner, but also for being able to pay for injuries or damages you might cause. Financial Responsibility Law Wisconsin has a financial responsibility law. The law is designed to make sure that any person licensed to drive in Wisconsin has enough insurance or enough money to pay for damages to others that may be caused by a motor vehicle. You can meet these requirements through a car insurance policy, a surety bond, or self-insurance. Purchasing Car Insurance Car insurance protects you if anything happens to you, your car, someone else, or someone else’s car because of you. If you buy insurance, your insurance policy must provide the following minimum liability coverage: $25,000 for death or injury of one person; $50,000 for death or injury of two or more persons; $10,000 for property damage. The law also requires uninsured motorist coverage of $25,000/$50,000 for bodily injury only. Other Coverages to Consider Medical expense coverage pays medical expenses for you and your passengers. Underinsured motorist coverage (UIM) pays if another insured driver causes the accident but has lower injury limits than your UIM limits, your policy will pay the difference between the limits. Collision coverage pays if your own car is damaged in a collision. Comprehensive coverage pays for damage to your car, from almost all other causes, such as theft, vandalism, hitting a deer, etc. $ $ $ $ $ Saving Money $ $ $ $ $ You can lower your premiums by . . .