Car insurance is legally mandated in the state of Wisconsin. Besides covering you in the event of an accident, insurance can help you with recovering costs from repairs to your car. Getting your car fixed sounds simple: you drop it off at the shop and your insurance company takes care of the rest. However, it’s important to know what you’re actually covered for. Here’s what you need to know about car repairs and auto insurance.

Collision Coverage

A car accident can happen when you least expect it and having collision coverage can ease the financial hardships. According to State Farm Insurance, collision coverage is defined as, “in a covered accident, collision coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you’re using, but aren’t owned by anyone in your household.” If your car is damaged in any way as the result of a crash, your insurance companies will likely cover most of the cost for repairs. However, any damage that isn’t related to collisions requires additional coverage.

Comprehensive Coverage

There’s nothing worse than cracking your windshield or finding that your car has been keyed. Drivers should carry additional insurance that covers a wide range of damages. Comprehensive coverage helps with any damage resulting from weather, animals and even vandalism. If your car has been damaged by any of these and you don’t carry comprehensive coverage, you may have to pay out of pocket for any repairs.

Liability Coverage

Liability coverage is required for driver’s in Wisconsin, mainly because it protects more than just damages to your car. State Farm Insurance defines liability coverage as “insurance that pays other parties when they’re hurt or their property is damaged in an accident and the insured is considered “at-fault.” According to the Wisconsin Department of Transportation, drivers must be covered for a minimum amount of $10,000 for property damage, $25,000 for injury/death of one person and $50,000 for injury/death of more than one person. If you don’t know how to proceed after an accident, see our blog post on the process of reporting an accident & getting your car fixed quickly.

What Kind of Car Insurance Should I Carry?

Drivers in Wisconsin are legally required to carry auto insurance. The state of Wisconsin have penalties in place for those who do not carry auto insurance. Understanding the terms of your insurance policy will prepare you to accept the legal and monetary repercussions following a car accident. If your looking for fast and effective repair work in Muskego, Morgans Collision Center offers a wide range of services to get your car back in order. Need glass or body damage repaired quick? Morgans Collision Center offers express service to get your car back and running quick!