Racine Automobile Insurance

Obtaining Racine automobile insurance is the best way to protect yourself from the unexpected in Racine, WI. As a state subscribing to the no-fault system of insurance, you are required, in Wisconsin, by law, to protect yourself by maintaining not only liability insurance, but also Personal Injury Protection, or PIP, as well as Uninsured Motorist protection. You'll need to show proof on this Wisconsin auto coverage when you register your automobile.

Explaining the No-Fault System

No-fault coverage is one of those "love-it-or-hate-it" situations. Opponents of the WI vehicle coverage law claim it gives drivers a false sense of protection, therefore resulting in lax safety habits when operating their automobile. Those in favor of the no-fault system claim it helps those victims who've been injured in an automobile accident to receive the medical attention they need without having to wait for a police investigation to assign someone fault.

In reality, the concept of no-fault insurance does protect the injured party. Waiting for fault to be assigned can mean months, or even years, while you go through investigations and even legal proceedings before someone is assigned responsibility for the accident and it's resulting damages. That can mean a lot of out of pocket medical expenses if you are injured due to someone else's negligence.

Opponents on Racine auto insurance no-fault laws may have a concern, however there is no statistical data to back their claims. It can be said that by obtaining PIP and Uninsured motorist coverage, Racine vehicle insurance customers are better protected and might be less likely to take legal action. That is one of the more positive aspects of no-fault laws, the easing up of court cases due to automobile accidents.

What are PIP and Uninsured Motorist

Most people have some grasp of how a no-fault automobile insurance system operates, while others are completely clueless and under the impression that it's a free-for-all situation where no one has to be held accountable except your Racine insurer. Nothing could be further from the truth.

Under a no-fault system , you must still bear responsibility for any damages or injuries which result from an automobile accident for which you have been found to be at fault. A police report must still be filed and you will be responsible for any and all damages suffered by the individual(s) who were injured or who's automobile was damaged in the accident. You will still need to maintain a liability policy for your auto through a reputable Racine car insurance company. The difference is that you will also be required to carry additional Racine coverage as part of the legal required minimum in the state of Wisconsin.

PIP is part of the additional coverage that you are required to maintain. Personal Injury Protection does exactly as the name implies. It protects you in the event you are injured as a result of someone else's negligence on the road. If you are involved in an automobile accident and you sustain injuries, the at-fault person's liability coverage will pay for your medical attention. However, if the limited amount of the injury portion of the at-fault person's policy doesn't provide enough to cover your bills, you needn't worry immediately about taking them to court for the uncovered amount.

Your Racine PIP will provide for the balance of your medical bills, but it, too has limits. If your PIP limits are exhausted, and you still find you have outstanding medical bills, such as rehabilitation, or continued care, you can pursue legal action against the at-fault driver. Your Racine automobile insurance PIP coverage will also protect your passengers in much the same way. If the vehicle accident should result in a fatality, funeral expenses will be paid.

Uninsured/Underinsured motorist coverage provides for you in the event of an uninsured motorist being the at-fault party in an automobile accident. This type of insurance, as part of your Racine auto insurance policy, is a smart option to maintain as liability coverage is not legally mandated in Wisconsin. UIM/UDM, as they are referred to in industry lingo, will protect you in the event the at-fault party has no Racine coverage, or the limits are too low to provide for you and your passengers in the event of an auto accident. Racine auto insurance UIM/UDM also provides for you and your family members (living at your same address, such as a spouse or minor children) in the event you're riding in someone else's automobile and their coverage isn't enough to compensate.

It's the Law

Whether you are for the no-fault system or not, it is the law in Racine, WI. Find Racine automobile insurance quotes so you can compare rates and coverage for the best package available. Protect yourself and your family in the event of an automobile accident with Racine automobile insurance.


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