Uninsured motorist coverage is there for you when the other driver has no insurance. Every Wisconsin automobile policy must include uninsured motorist (UM) coverage. Uninsured motorist coverage pays you for personal injuries caused by an uninsured driver, but not property damage to your car. If your hit by an uninsured motorist, you'll need your own collision coverage to pay for the car damage. Underinsured motorist (UIM) coverage is optional and applies to cases where the other driver has some insurance but not enough to cover your personal injury losses. UM and UIM are complicated and one needs to know your policy, the statutory mandated law and the applicable case law, which has changed considerably over the last 20 years in a back an forth manner.
Uninsured motorist insurance coverage in Wisconsin is there to protect a driver or passenger from damage caused by an uninsured driver. Basically, if the negligent driver does not have insurance, your own policy, which has uninsured coverage, will cover your losses.