Non Standard Auto in Wisconsin
Non-standard auto insurance is a special insurance category available from Choice 1 Insurance Agency in New Richmond, WI, for certain drivers in high-risk categories.
The high-risk categories include the following:
- Drivers with a bad driving record
- Drivers with multiple traffic violations
- Drivers with a history of accidents
Choice 1 Insurance Agency in New Richmond, WI, helps get insurance for those who are not insurable under standard policy guidelines. Non-standard auto insurance may be your answer, especially if your auto insurance was recently canceled or you have been denied coverage.
The insurance coverage is similar between standard and non-standard auto insurance, but the premiums are higher for non-standard auto insurance.
There are legal minimum insurance requirements to drive a vehicle in Wisconsin.
Wisconsin requires the following minimum insurance levels:
- For bodily injury, $25k per injured person and $50k total for an accident
- Uninsured motorist, for bodily injury, $25k per injured person and $50k total for an accident
- $10k for property damage
It is illegal to drive in the state without the minimum auto insurance, and you are also required to have coverage for uninsured motorists.
What if I have a DUI/DWI?
If your license is not suspended and is active (including restrictions), you may be able to get non-standard auto insurance. Non-standard auto insurance can help you get back on the road if your driving record includes charges of driving under the influence of drugs or alcohol (DUI) or driving while intoxicated (DWI).
What do I do if my auto insurance policy is canceled because I had a bad accident(s)?
Your best bet is to talk with an agent at Choice 1 Insurance Agency in New Richmond, WI, and explain your situation. Your agent will do everything possible to get you non-standard auto insurance coverage.
Don’t get frustrated if you need auto insurance but are having trouble finding it. Call us or visit our office to tell us what you need, and our kind, non-judgmental professionals will help you get non-standard auto insurance coverage.