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        • Menomonie
        • 420 Main Street E
          Menomonie, WI 54751
          Phone: 715-235-6479
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          Medford WI 54451
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          New Richmond, WI 54017
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          Chippewa Falls, WI 54729
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          River Falls, WI 54022
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          Fax: 715-425-0363
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Driving Without Insurance – Who Pays?

September 12, 2019 By Monte Burstad

Car in an accident

Does uninsured/underinsured motorist (UM/UIM) coverage have you confused?

You’re not alone.

Both types of coverage are meant to protect you and your vehicle’s passengers from the medical expenses you may incur if you are seriously injured in an accident with an uninsured or underinsured driver.

In other words, the coverage provides you with protection. It does not — as many people assume — protect the uninsured drivers on the road.

Below, we’ll take a closer look at this type of coverage and its benefits. We’ll also explain whether it’s simply a coverage that’s recommended by experts or one that’s required by law. 

First Thing’s First: How Many Uninsured Drivers Are on the Road?

Most people assume that the majority of Wisconsin drivers have their own liability insurance plans. To be sure, liability insurance is a required type of coverage in the state of Wisconsin and in most (if not all) states. If you’re caught without it, you’ll be in serious trouble with the law.

What you may be surprised to know is that, actually, approximately one in every seven drivers does not have liability insurance. They are driving illegally.

Liability insurance is meant to protect both the insured and the other driver if the insured causes an accident. There are two types of liability insurance: bodily injury liability insurance (which covers the other driver and passengers’ injuries) and property damage liability insurance (which covers the other driver’s vehicle damage).

But with one in every seven drivers not having any liability insurance, this puts you at risk whenever you get on the road.

What Happens if You Get Into an Accident With an Uninsured Driver?

If you get into an accident with an uninsured driver (and the other driver is at fault), you have few options. Your best option is to have thought ahead and purchased UM/UIM coverage.

UM/UIM coverage or uninsured/underinsured motorist coverage will take the place of the other driver’s bodily injury liability insurance that they do not have. You can also purchase a type of insurance called UMPD (uninsured motorist property damage) coverage. This will take the place of the other driver’s property damage liability insurance that they do not have.* 

Keep in mind that underinsured motorist (UIM) coverage is slightly different than uninsured motorist (UM) coverage. Basically, an underinsured driver is just what it sounds like: They have insurance, but it’s not very much. Get into an accident with one of these drivers, and their liability limits will likely be so low that you’ll have to supplement your medical bills and/or property damage repairs with your own money. As you naturally don’t want this to occur, UIM coverage can help. 

* Unfortunately, UMPD coverage is not offered to Wisconsin residents. Therefore, if you’re a Wisconsin resident, you need to have a collision policy to protect yourself from property damage caused by an uninsured driver.

How to Get UM/UIM Coverage

Burstad Insurance can help you get the auto insurance coverage you require to stay safe on the road and protect yourself, your family, and your assets. 

We definitely recommend having an adequate amount of UM/UIM coverage. Our friendly and experienced agents would be happy to sit down with you and carefully explain the benefits of these types of coverage and how much it will cost you each month. 

Fortunately, the price of UM/UIM coverage is generally not very much per month, and it provides you with a wealth of protection that you’ll be glad you have if you’re ever in an accident with an uninsured or underinsured driver.

Burstad Insurance also has additional locations in Chippewa Falls, Medford, River Falls & New Richmond, WI. Call or stop in today.

Filed Under: Car

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Everyone here has been very helpful, knowledgeable and friendly! Whenever I contact them, they get back to me quickly and are sure to get me the best rates possible. Thank you! The Baldwins
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Have had my insurance for different vehicles and homes for many years, always friendly and am very satisfied.
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good business and friendly service. highly recommend giving them a call to see what they can do for you.
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Excellent customer serviceKent Elkin goes above and beyondAlso the rest of the staff is very accommodating
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Prompt and courteous service. The good people at New Richmond have always replied to my queries and helped solve my problems. Thanks for seven years of good service.
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EXCELLENT insurance company! I have my personal and business insurance with Monte and have for over 20 years. When we had the tornado in Colfax in 2014, Monte called me and was at my restaurant door within an hour after it hit. Amazing service.... Thank you Monte, Penny and the whole staff at Burstad Insurance.
Rich J.
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New Richmond Insurance consistently saves me money on my policies year after year. Excellent customer service with most of my questions answered the same day.
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great place and nice service
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Yes! I want to tell you something. If you need a car insurance - this is the place where you will find the best offer.Have done car insurance for two trucks. The price was so good, even less than I expected.My agent was Angie. I want to say thank you for caring! She is the nicest and kindest person ever!Definitely will return for the nest year insurance
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Neil is awesome!
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Very helpful agents and staff. They got me a great deal on homeowners and auto insurance.
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I have had policies thru the Agents, at the Menomonie office.Their prompt response, patience, amazing customer service and thoroughness, is the greatest I have ever had with an agency!
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11:25 25 Jan 19
They are the best I have ever used. Any time you need something, they have your back. Never had an issue with the company , and I would recommend Kent Elkin to any one and everyone. Thank you for all your services New Richmond insurance agency. Been with them for 3 years now.
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20:54 13 May 18
I have been a customer for many years and love the personal customer service experience that they provide. I know that when I call, I will get a real live person! I also know that the person I am working with will have an understanding of my history and my policy. Highly recommend! Thanks and keep up the good work!
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Corey Burstsad Insurance is great!! Neil always goes out of way for his clients, very trustworthy and efficient.
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Very friendly and helpful. Got is a great deal and we were refered there by a good friend after not being able to find what we wanted elsewhere. They made the process very easy and didn't mind us popping by last minute to get the details figured out.
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Don’t Forget Renters Insurance

To illustrate why one might want to consider renters insurance, we would like to share a short story about a young couple and a recent experience with their apartment. Like most modern couples, this young couple, let’s call them Mike and Mary, got up that morning, had a quick breakfast, and left for work. Shortly …Read More

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