Keep Your Madison Car Insurance from Getting Snowballed

It is a good idea to have additional Madison car insurance coverage during dangerous winter driving.

When the roads turn to this in the winter, you will be better protected if you have more than the minimum Madison car insurance.

We all know that you have to have Madison car insurance if you want to drive in Wisconsin. But, the minimum amount of car insurance that the state requires may not be enough to really protect you if you were to become a victim of winter roads.

Why Should We Be Concerned About My Winter Madison Car Insurance?

In the winter you never know what is going to happen out on the road. The slick snow and ice remove all traction that would normally keep you and everyone else from car accidents, and winter weather events tend to decrease your ability to be able to see while you are driving. These less than ideal conditions mean that even those that drive safely, like you, still have a good chance of getting in a car accident through no fault of your own.

In other words, your safe driving skills may not be enough to protect you from getting into an accident in the winter. And if you are keeping your insurance coverage to minimums only based on your “safe driving” ability, you may regret it during the winter.

What is the Minimum Amount of Madison Car Insurance?

The State of Wisconsin requires that you carry no less than the following Madison car insurance coverage:

• $25,000 for the injury or death of one person
• $50,000 for the injury or death of more than one person
• $10,000 for property damage

Why is the Above Madison Car Insurance Not Enough?

If you look closely at the minimum insurance that the State of Wisconsin requires, you will notice that there is no coverage for you or your vehicle. So if you hit a patch of black ice and slide into a tree, you will have to pay for all of your injuries and damages to your vehicle out of your own pocket.

Say you hit that same patch of black ice, but instead of sliding into a tree you slide into another car. You only have $10,000 in coverage to pay for the damages to that other car. If you happen to total the other person’s car, you will have to pay for what remains after your insurance company pays the initial $10,000.

No amount of safe driving can protect you in every winter driving scenario, so talk to your Madison car insurance agent today about the coverage that will protect you from winter driving.