Wisconsin · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Wisconsin: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Claim injuries under your required uninsured motorist coverage. Uninsured motorist coverage of $25,000/$50,000 (bodily injury only) is required.

Uninsured motorist (UM) coverage
Required
Minimum liability
25/50/10
Insurance system
Fault (tort)

Uninsured motorist coverage in Wisconsin

Uninsured / underinsured motorist (UM/UIM)
Uninsured motorist coverage of $25,000/$50,000 (bodily injury only) is required. Underinsured coverage is not mandatory and can be rejected, but if you buy it the minimum is $50,000/$100,000 (OCI).
Liability minimum
25/50/10
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Wisconsin

  • Claim injuries under your required uninsured motorist coverage.

State forms and programs in Wisconsin

  • Under Wisconsin's Safety Responsibility law you can send WisDOT damage forms (MV3658 vehicle, MV3657 property, MV3656 injury) together; WisDOT reviews them within about 180 days, and an uninsured driver found responsible who doesn't pay or post security loses their license and/or registration for one year.

Claiming from the uninsured driver in Wisconsin

Small claims limit for car damage in Wisconsin: $10,000 (personal injury and other tort claims capped at $5,000). Wisconsin small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Wisconsin

  1. Report the crash to the police. A crash must be reported if anyone is hurt or killed, damage to any one person's vehicle or property is $1,000 or more, or damage to government property (other than vehicles) is $200 or more. Reporting a crash in Wisconsin and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Wisconsin it is required.

Free help in Wisconsin

Questions about uninsured drivers in Wisconsin

Is uninsured motorist coverage required in Wisconsin?

Uninsured motorist coverage of $25,000/$50,000 (bodily injury only) is required. Underinsured coverage is not mandatory and can be rejected, but if you buy it the minimum is $50,000/$100,000 (OCI).

What can I do if an uninsured driver hits me in Wisconsin?

Claim injuries under your required uninsured motorist coverage. Under Wisconsin's Safety Responsibility law you can send WisDOT damage forms (MV3658 vehicle, MV3657 property, MV3656 injury) together; WisDOT reviews them within about 180 days, and an uninsured driver found responsible who doesn't pay or post security loses their license and/or registration for one year.

What is the minimum car insurance in Wisconsin?

25/50/10

More for Wisconsin drivers

Nearby states

Sources

Last checked: Oct 24, 2026.