Auto Insurance
Coverage That Goes Beyond the Basics
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.
Liability Coverage (Required)
Uninsured & Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Optional Coverages for Added Protection
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?
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?
This helps pay for injuries if you’re hit by a driver who has no insurance.
What is comprehensive coverage?
Hail, Theft, Vandalism, Fire, Flooding, Hitting a deer
This is especially relevant in Wisconsin because deer collisions are common.
What is collision coverage?
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?
Collision coverage
Comprehensive coverage
Get Auto Insurance You Can Feel Confident About
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.