Apex Insurance Group Of WI LLC
1515 Stout Rd, STE 1, Menomonie, WI 54751
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Menomonie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1515 Stout Rd, STE 1, Menomonie, WI 54751
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717 Main St E, Menomonie, WI 54751
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718 N Broadway St, Menomonie, WI 54751
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718 North Broadway, Menomonie, WI 54751
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700 Wolske Bay Rd, Ste 240, Menomonie, WI 54751
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Learn about insurance coverage options specific to Menomonie residents.
Your uninsured motorist coverage, which Wisconsin requires, will cover your medical expenses up to your policy limits. This coverage also applies to hit-and-run situations. If your UM limits are only at the state minimum of 25/50, consider increasing them to better protect yourself, as medical bills from serious injuries can easily exceed $25,000 per person.
Even if you're not commuting long distances, comprehensive coverage is valuable in Menomonie. It covers deer collisions, which are common in the area, plus hail damage, theft, and vandalism. Given Wisconsin's severe weather and high wildlife collision rates, comprehensive coverage often pays for itself after just one incident. It's especially important if your vehicle is worth more than a few thousand dollars.
As a college student, you typically face higher rates due to your age and limited driving experience. However, you can lower costs by staying on your parents' policy, maintaining good grades for student discounts, taking a defensive driving course, and choosing a safe, modest vehicle. Many insurers offer good student discounts if you maintain a B average or higher.
While 25/50/10 meets legal requirements, it's often not enough protection for serious accidents. Medical expenses from significant injuries routinely exceed $25,000 per person, and modern vehicle repairs easily surpass $10,000. If you have assets like a home, savings, or significant future earning potential, consider increasing to at least 100/300/100 coverage to protect yourself from lawsuits that could target your personal assets.
Start by comparing quotes from multiple insurers, as rates vary significantly between companies. Ask about all available discounts including bundling policies, safe driver discounts, defensive driving course completion, vehicle safety features, and good student discounts. Maintaining a clean driving record, improving your credit score, and choosing higher deductibles can also reduce your premiums substantially.
First, check for injuries and call 911 if anyone needs medical attention. Exchange insurance information with other drivers, take photos of the damage and scene, and gather witness contact information. Report the accident to your insurance company promptly. In Wisconsin, you must file a police report for accidents involving injuries, deaths, or property damage exceeding $1,000, which covers most accidents.
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