Wisconsin state law requires minimum coverage of:
- $50,000 for bodily injury or death to one person.
- $100,000 total per accident for bodily injury or death.
- $15,000 for damage to property.
Starting June 1, 2010, drivers and owners of motor vehicles are required to show proof of insurance at traffic stops/accidents if requested by law enforcement. Proof is not necessary for trailers or semi-trailers.
Operating a motor vehicle without insurance may result in a fine of up to $500.
Drivers and owners who fail to show proof of insurance at the time of the stop/accident may be fined up to $10.
Offering proof of insurance that is found to be fraudulent may result in a fine of up to $5,000.
There is no requirement that you provide proof of insurance when you obtain your driver license or are registering a vehicle, unless that information is requested by DMV and is a requirement before reinstatement of a driver license after a suspension or revocation.
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