No. Wisconsin, like most states, Wisconsin follows a fault-based system for determining financial responsibility for losses in car accidents. This means that the person or persons who caused or was responsible for the crash is liable to pay damages. Because of this, Wisconsin has auto insurance minimums set by law. In Wisconsin, all drivers in Wisconsin must carry a minimum of $10,000 for property damage, $25,000 for injury or death to one person, and $50,000 for injury or death to multiple people. It is up to you or your car accident lawyer to prove that the other driver is at fault for your accident before you can collect benefits from his or her insurance company.