A car costs a lot of money, and so do the accidents they are often involved in. When you are part of a collision, the last thing you need is a major financial headache to worsen the situation. Having the right car insurance means keeping a bad day from getting worse. At Dennis Gutman Insurance, we can help you sort through various insurance carriers and coverage options to find a policy that is just right for you.
In Wisconsin, you are legally required to carry bodily injury and property damage liability protection. We can help you understand the minimum limits, as well as how much coverage might be right for you. For example, while the law requires $25,000 in bodily injury liability for injuries to another driver, you might prefer limits closer to $100,000 to cover a victim’s injuries if you are at-fault for an accident.
Uninsured/Underinsured Motorist Protection
Wisconsin law also requires drivers to carry uninsured motorist protection. This is insurance that helps pay for your medical bills if you are injured by an uninsured, at-fault driver. Underinsured motorist protection is also available if you are injured by a driver who does not have enough liability coverage to pay your expenses.
Additional Car Insurance Coverage
In addition to mandatory car insurance coverage, drivers may be wise to include additional types of protection in their policies. We offer a wide range of car insurance coverage that protects you and your vehicle from accidents and other covered events. Examples of common Wisconsin car insurance coverage include:
If your vehicle is damaged or destroyed in a crash, your collision insurance helps pay for your losses when you are at-fault for the accident. You choose the amount of your deductible, and your insurer helps pay to repair or replace your vehicle.
Rental Car Reimbursement
You may need alternate transportation after an accident. Your insurance policy can include coverage that reimburses you for a rental car while your car is being repaired.
Some losses do not happen on the highway. If your car gets pelted with hail or your vehicle is crushed by a fallen sign, your comprehensive insurance can help cover the cost. Comprehensive typically covers non-collision claims, including those caused by theft, vandalism, falling objects, fire, and more.
Medical Payments Coverage
If you are injured in a car accident, you need assurance that your medical bills will be paid no matter who was at-fault.
Emergency Assistance and Towing
Emergencies happen. What happens if your battery dies on a road trip or your vehicle needs to be towed after an accident? These additional coverages are available to reimburse you for assistance 24 hours a day.
Affordable Car Insurance in Manitowoc
Insurers in Wisconsin use a lot of different factors to determine how much you will pay for car insurance. Examples include:
- Where you live
- Where you park your car at night
- Your credit score
- Your past history of claims
- Your driving record
- Your driving experience
Our job is to pair you with the insurer who offers the most affordable premiums on the coverage you need. We can help make car insurance more affordable with package discounts and other ways of lowering your premiums.