Uninsured motorist coverage, in Wisconsin, provides protection for bodily injury caused by a motorist who is not insured. This coverage allows you to collect from your own insurance company as if it provided liability coverage for the negligent and uninsured driver. Underinsured motorist coverage, in Wisconsin, provides protection for bodily injury sustained by you when a motorist who is not sufficiently insured negligently causes an accident.
Why carry UM/UIM coverage:
1. The chance of being hit by a negligent uninsured or underinsured motorist in Wisconsin is approximately 15%.
2. UM and UIM coverage is broad and could contain benefits for you and your family members' injuries sustained in your own covered auto, autoss you do not own, and as pedestrians.
3. The cost is reasonable.
