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Is Collision Coverage Required in Wisconsin?

Auto insurance serves as a financial safety net for drivers. Its primary purpose is to protect you financially if you’re involved in a car accident, or your vehicle sustains damage. When you have auto insurance, your insurance company helps you pay for repairs, medical expenses, and other costs arising from accidents. This means you don’t have to bear the full financial burden alone.

Having auto insurance is a legal requirement in most states, including Wisconsin. State insurance laws ensure that drivers can pay for damages or injuries they might cause to others while driving. But does Wisconsin’s auto insurance law require drivers to carry collision coverage?


What Is Collision Coverage?

Collision coverage is a type of car insurance that covers damage to a policyholder’s vehicle in the event of an accident. This coverage applies regardless of who caused the accident. It pays for repairs to your car if you hit another vehicle, collide with an object like a fence, or if you’re in a single-car accident like a rollover. This can prevent you from having to pay out-of-pocket for repair costs.

However, collision coverage doesn’t pay for everything. It won’t cover injuries, damage to another person’s vehicle, or property damage from the accident. Those are typically covered under other parts of your auto insurance policy, like liability and medical payments coverage.


Is Collision Coverage Mandatory in Wisconsin?

No. Collision coverage is optional in all states, including Wisconsin. This means you have the choice to include it in your auto insurance policy or not. Wisconsin law requires drivers to have liability insurance, which covers damage the policyholder causes to others, but not collision coverage. Collision coverage is an optional protection you can purchase for your own vehicle.

Choosing to add collision coverage to your insurance policy is a personal decision. It’s often a good idea, especially if you have a newer or more expensive car. Without collision coverage, you would likely have to pay out of your pocket for repairs to your vehicle in case of an accident. With it, your insurance helps cover these costs, though you might need to pay a deductible first.

It’s also worth noting that if you financed or leased your car, your lender might require you to have collision coverage. This is their way of protecting their investment in your vehicle. So, while collision coverage is not mandatory under state law in Wisconsin, your lender might still require it.


What Can I Do If the Insurance Company Denies My Collision Claim?

Contact a lawyer immediately if an insurance company denies your collision coverage claim. A lawyer can review your insurance policy to determine whether your provider is honoring the terms of your policy. If the denial is unjust, your attorney can challenge it.

A lawyer can also gather evidence to support your claim. This might include accident reports, witness statements, and expert opinions. With this evidence, they can negotiate with the insurance company on your behalf. They can also take legal action to fight for your rightful compensation if necessary.


Contact a Wisconsin Car Accident Lawyer Today

If you have suffered harm in a Wisconsin car accident, contact Atterbury, Kammer & Haag, S.C., as soon as possible. We can answer your questions and help you explore your options when you call (608) 821-4600 for your initial consultation.

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Eric J. Haag

Wisconsin Personal Injury

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Alexander S. Kammer

Wisconsin Personal Injury

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