Auto Insurance
Whether you’re commuting through Janesville, navigating Kenosha traffic, or driving Wisconsin’s rural highways, you need auto insurance that protects you every mile. At Wisco Insurance, we help Wisconsin drivers find coverage that makes sense for real driving conditions — without confusing fine print or unnecessary extras. Our team works with multiple carriers to compare options and build policies that offer dependable protection, clarity, and confidence behind the wheel.
What’s Covered by Auto Insurance
Liability Coverage
Covers bodily injury and property damage if you’re found at fault in an accident. Liability insurance is required by Wisconsin law and helps protect you from significant out-of-pocket costs related to medical bills, vehicle repairs, and legal claims.
Collision Coverage
Helps pay for repairs or replacement if your vehicle is damaged in an accident involving another vehicle or an object, regardless of fault. Collision coverage is especially valuable for newer vehicles or drivers who rely on their car for daily commuting.
Comprehensive Coverage
Covers damage from non-collision events such as hail, wind, theft, vandalism, falling objects, or hitting a deer — a common concern on Wisconsin roadways. Comprehensive coverage plays an important role in protecting against weather and wildlife-related losses.
Uninsured/Underinsured Motorist Coverage
Protects you if you’re involved in an accident with a driver who has no insurance or not enough coverage to pay for your injuries or damages. This coverage helps close the gap when another driver’s policy falls short.
Medical Payments (MedPay)
Helps cover medical expenses for you and your passengers after an accident, regardless of who caused it. MedPay can assist with deductibles, co-pays, and immediate medical costs following a collision.
Why Wisconsin Drivers Need Strong Coverage
Weather and Seasonal Driving Conditions
Snow, ice, freezing rain, windstorms, and hail are all common across Wisconsin. These conditions increase the risk of accidents and vehicle damage, making well-rounded coverage especially important throughout the year.
Wildlife and Rural Road Risks
Wisconsin consistently sees a high number of deer-related accidents, particularly on rural roads surrounding communities like Brodhead and outside city centers. Comprehensive coverage helps protect against these unpredictable but common incidents.
Busy Roads and Daily Commutes
From local commutes in Janesville to high-traffic areas near Kenosha, Wisconsin drivers share the road with a wide range of vehicles. Strong liability and uninsured motorist coverage help protect you financially when accidents involve multiple parties or insufficient coverage.
Auto Insurance FAQs
What auto insurance is legally required in Wisconsin?
Wisconsin law requires drivers to carry minimum liability insurance, including bodily injury and property damage coverage, as well as uninsured motorist coverage. These minimums are designed to provide basic financial protection, but they often fall short when accidents involve serious injuries or multiple vehicles. Drivers in areas like Janesville, Kenosha, and surrounding rural roads often choose higher limits to better protect themselves from out-of-pocket expenses, legal costs, and medical bills that can quickly exceed state minimum requirements.
Does auto insurance cover hail or deer damage?
Yes — damage caused by hail, falling objects, vandalism, or collisions with animals like deer is typically covered under comprehensive coverage, not collision. This is especially important in Wisconsin, where severe weather and deer-related accidents are common on both highways and rural roads near Brodhead and beyond. Without comprehensive coverage, repairs from these types of incidents would generally need to be paid out of pocket, even if the damage was completely unavoidable.
What’s the difference between collision and comprehensive coverage?
Collision coverage applies when your vehicle is damaged in an accident involving another vehicle or an object, such as a guardrail or utility pole, regardless of fault. Comprehensive coverage, on the other hand, applies to non-collision events like theft, hail damage, vandalism, fire, or hitting a deer. Wisconsin drivers often carry both types of coverage to ensure their vehicle is protected in a wide range of situations — from icy winter collisions in Janesville to storm-related damage near Kenosha.
Is uninsured motorist coverage really necessary in Wisconsin?
Uninsured motorist coverage is required in Wisconsin and plays an important role in protecting drivers if they’re involved in an accident with someone who has no insurance or insufficient coverage. Even responsible drivers can be affected by others who don’t carry adequate protection, particularly in high-traffic areas or during severe weather conditions. This coverage helps pay for injuries and related expenses when the at-fault driver can’t, providing an essential safety net for Wisconsin motorists.
Can I use my personal auto policy for business driving?
Personal auto insurance typically does not fully cover vehicles used for business purposes, such as making deliveries, transporting tools, or traveling between job sites. In communities like Kenosha and Janesville, many small business owners and independent contractors rely on their vehicles for work, which may require commercial auto coverage. Using the wrong type of policy can result in denied claims, so it’s important to review how your vehicle is used to ensure your coverage aligns with your daily activities.