Auto Insurance

Buying auto insurance can be overwhelming and confusing. Understanding the differences in coverage can be key to protecting you and your loved ones in the event an accident occurs. Which is why we like our customers to know the facts before selecting coverage. At B&J, we strive to provide you with as many options as possible, so you are prepared to select the right amount of protection for your individual needs.

We offer the following types of coverage.

Liability
liability covers injuries sustained to others, caused by the insured person while operating the vehicle. It also covers damages caused to someone else's property by the policy holder while operating the vehicle.

Uninsured Motorist
covers medical treatment for you and your passengers in the event of a collision with an uninsured driver. For example, if you were rear ended and the driver who caused the collision was not insured, your policy would cover the medical costs for you and your passengers.

Underinsured Motorist
this covers medical treatment for injuries sustained in your vehicle in the event a motorist causes an accident and has insufficient coverage to pay for all related medical expenses. In Wisconsin, the minimum coverage is $25,000 each person, $50,000 for each occurrence and $10,000 property damage. If the injuries sustained were greater than $50,000, the remainder would be covered under your insurance to cover the additional costs if you had coverage that was greater than $50,000.

Collision
covers expenses to the policyholder for damage or destruction incurred as a result of an accident with another vehicle.

Comprehensive
covers expenses from damage or loss resulting in incidents other than an accident such as theft or storms.

Medical
covers treatment for the driver and passengers of the policyholder's car in the event of an accident. It also covers funeral expenses.

Rental Reimbursement
covers the cost of renting another vehicle while your car is in the shop for damages incurred after an accident.

Towing
coverage helps cover the cost to tow a vehicle as a result of an accident.

Roadside Assistance
covers the cost for roadside services such as flat tires and jump-starts.

Understanding FULL COVERAGE is crucial to covering a variety of vehicle risks. We can customize a plan tailored to your individual needs while maintaining value. Contact us today to learn how we can lower your costs while keeping you adequately covered. See our online quote form to save and compare.

Recreational Watercraft and Boat Insurance

Boating insurance is not required in Wisconsin, except in the case of commercial fishing boats. Typical homeowner policies generally cover $1000 for damage to a boat while stored at your home or in a garage. For some larger boats this coverage may not be adequate. Additionally, most homeowner's policies do not cover mechanical breakdowns, wear and tear, racing, and nuclear hazards. For boat owners who own larger vessels, a comprehensive boat insurance policy can further protect your investment. In the event of collisions with another boat, swimmer or skier, bodily injury can occur that could lead to property damage or medical claims against you. Boating insurance can cover legal fees and settlement fees.

Boaters Tip:
To stay safe and keep your premiums to a minimum, we recommend taking courses on boater safety either online or in a classroom setting. These courses can save money on a Wisconsin insurance policy since it shows you are a low risk, conscientious boater.

Motorcycle and Scooter Insurance

Motorcycle liability insurance is required in most states in the US, including Wisconsin. Liability protects you against damages or injuries you cause to another person due to an accident. It also provides protection for legal defense if needed.

Tips:
The following factors affect credit ratings:

  1. Your credit score is scrutinized much more fully when applying for motorcycle insurance than auto insurance. Motorcycle riders are more likely to file claims so insurance companies raise premiums for people with a bad credit history based on their risk.
  2. If you keep your bike in a garage or storage unit, it is less likely to be stolen, decreasing rates.
  3. If you travel in high crime areas, your risk is greater, increase premiums.
  4. If you ride year round, you face more risks than if you only ride on the weekends or part of the year.
  5. The make and model affects rates. If the bike is new or expensive it affects repair or replacement costs.
  6. After market additions such as custom frames increase the cost in the event of repair or replacement.
  7. Take a motorcycle safety course and wear protective gear.

To protect your investment and yourself and make the best decisions on coverage, talk to us. We can answer your questions about deductibles, limits and how to choose the best policy for your individual needs.

Scooter Insurance

Scooters have become very popular within the last couple of years. They are easy to park and are cost effective, often getting up to 100 miles per gallon. However, they are still considered motorcycles and riders need to carry liability insurance. Most states including Wisconsin require this. The price to purchase a scooter is relatively inexpensive so insurance is quite reasonable. Ask about for a multi-policy discount if you are already insuring your home and an auto.

Snowmobile Insurance

Snowmobile Insurance is required in the state of Wisconsin. The good news is that it's relatively inexpensive, averaging approximately $10 per month. To protect yourself, your passengers and your investment, it is a small price to pay. Coverage includes protection for bodily injury and property damage. Most policies cover more than one driver.

Other available snowmobile coverage options include:

Uninsured and underinsured snowmobile coverage – protects you if another snowmobiler causes damage to your sled or bodily injury and lacks coverage to pay for your costs.

Accessories coverage
— includes compensation for damages to trailers and accessories

Comprehensive coverage
— protect you from other damages such as storms, theft or vandalism.

Roadside assistance
— provides transportation and assistance for yourself and your snowmobile should your sled stall and you become stranded.

For more information on snowmobile insurance, please contact our office and ask an agent to review all your options. Request how to obtain insurance discounts if you own more than one sled.

ATV and Off Road Vehicle Insurance

While ATV insurance is not required in the state of Wisconsin, it does add an extra layer of protection for you and your loved ones. Our agents are familiar with coverage and can advise you on the different aspects of an ATV or Off-road policy.