JLEHMANN@allstate.com
(262) 226-2555
New Berlin, WI
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Auto Insurance

Coverage That Goes Beyond the Basics

auto insurance

Auto insurance helps protect you financially if you’re involved in an accident — but not all policies are the same.

At Lehmann Insurance Agency, we help drivers across New Berlin and Southeastern Wisconsin understand their coverage and choose policies that truly protect them. Whether you’re insuring a new vehicle, adding a driver, or reviewing your current policy, we’ll guide you through your options so you can make confident decisions.

At a minimum, Wisconsin drivers are required to carry liability coverage, but most people need more than just the basics to be fully protected.

Understanding Your Auto Insurance Coverage Options

A strong auto insurance policy is built from multiple types of coverage working together.

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Liability Coverage (Required)

Liability coverage helps pay for injuries or property damage you cause to others in an accident. This includes bodily injury and property damage liability, and it forms the foundation of your policy while helping protect your financial future.
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Uninsured & Underinsured Motorist Coverage

This coverage helps protect you if you’re involved in an accident with a driver who has little or no insurance — covering medical expenses and other costs that might otherwise come out of your pocket.
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Collision Coverage

Collision coverage helps pay for repairs to your vehicle if it’s damaged in an accident, regardless of who is at fault. This is especially important for newer or higher-value vehicles.
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Comprehensive Coverage

Comprehensive coverage protects your vehicle from non-collision events such as theft, vandalism, weather damage, or falling objects — helping cover repair or replacement costs in unexpected situations.
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Optional Coverages for Added Protection

Additional options like new car replacement, loan or lease gap coverage, roadside assistance, and rental reimbursement can provide extra protection and convenience depending on your needs and situation.
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FAQ

Auto Insurance Questions We Hear Often

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Is Wisconsin a no-fault state?

No. Wisconsin is an at-fault state.

That means the driver who caused the accident is generally responsible for damages and injuries.

What factors affect car insurance rates in Wisconsin?
Common rating factors include:
Driving history
Age and experience
Credit history (in many cases)
Vehicle type
ZIP code
Annual mileage
Claims history
Coverage selections and deductibles
Does Wisconsin require uninsured motorist coverage?
Yes.

This helps pay for injuries if you’re hit by a driver who has no insurance.

What is comprehensive coverage?
Comprehensive coverage helps pay for damage not caused by a collision, such as:

Hail, Theft, Vandalism, Fire, Flooding, Hitting a deer

This is especially relevant in Wisconsin because deer collisions are common.

What is collision coverage?
Collision coverage helps repair or replace your vehicle after:

Hitting another vehicle

Hitting an object

Rolling over

When a driver without insurance hits you and damages your car

It applies regardless of fault.

Do I need full coverage on a financed car?
Yes- If you finance or lease a vehicle, lenders typically require:

Collision coverage
Comprehensive coverage

Get Auto Insurance You Can Feel Confident About

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Get clear answers, personalized options, and coverage you can feel confident in.

If you’re not completely sure your current policy is giving you the protection you need, it’s worth taking a second look.

We’ll review your coverage, answer your questions, and help you make the right decision — with no pressure.

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