In Wisconsin, car insurance is required of all Wisconsin drivers, or in limited situations, other security that could be a surety bond, personal funds, or certificate of self-insurance when operating a motor vehicle in Wisconsin to pay for damages such as medical bills, wage loss, pain and suffering.
Does my car insurance cover other cars I drive? The standard auto insurance policy does not cover cars owned by the insured but not listed on the policy. An insured cannot insure one automobile, then own and regularly drive another car and have that other car covered by the policy. The standard car insurance policy in Wisconsin excludes coverage for automobiles owned not paid for on a policy of insurance. This is accomplished by an exclusion clause in the policies one does have or by how the policy defines a nonowned (insured) automobile. Coverage is provided for a temporary substitute automobile and newly acquired automobiles, and autos a person is just borrowing but not that they use on a regular basis. These are general guidelines and each policy must be examined in light of the law and facts. Wisconsin law allows an insurance company to limit coverage to automobiles insured in a household, and the exceptions noted above. National Farmers Union Prop. & Cas. Co. v. Maca, 26 Wis. 2d 399 , 132 N.W.2d 517 (1965). The drive-other-car-exclusion is discussed in Agnew v. American Family Mutual Insurance Co., 150 Wis. 2d 341, 441 N.W.2d 222 (1989), and Schwochert v. American Family Mutual Insurance Co., 139 Wis. 2d 335 , 407 N.W.2d 525 (1987).