$25,000 bodily injury liability for one person
$50,000 bodily injury liability for ore than one person
$10,000 property damage liability per accident
Unfortunately, Wisconsin has very low required minimums based on average health costs from accidents. Imagine you are driving through a green light when your vehicle is struck from the side by another driver who failed to stop at their red light. You are taken by ambulance to the hospital, undergo MRI and CT scans as well as surgery for a broken wrist and foot. Since this isn’t your fault, the other driver’s auto insurance would be responsible for your medical bills up to $25,000. After that, your own auto insurance would be billed under Medical Pay and if that isn’t enough to cover the costs, then your health insurance would cover. However, you still would be subject to your deductible and co-pays for an accident that wasn’t your fault. This is why some victims choose to hire an attorney.
Keep in mind that there are no state minimums for Medical Pay, meaning that if you cause an accident then your own medical bills will not be covered by your auto insurance. They would default to your health insurance or if you don’t have any insurance, you would be paying out of pocket.
It cannot be stressed enough how important it is to make sure your own auto insurance is covering you above and beyond the state minimums so you are not responsible for any medical bills. Please talk to your insurance agent to make sure you are properly covered!