Does Wisconsin allow UM/UIM stacking?

A policy may bar it. It may provide that, regardless of the number of policies, vehicles, persons, claims or premiums, the limits for any coverage may not be added to the limits for similar coverage on other vehicles to determine the coverage available in one accident (Wis. Stat. 632.32(5)(f)). Check your policy for that clause.

Is UM or UIM required in Wisconsin?

Uninsured motorist coverage is required, in at least $25,000 per person and $50,000 per accident. Underinsured coverage is offered by written notice and is not mandatory; if accepted, its limits are at least $50,000 and $100,000 (Wis. Stat. 632.32(4) and (4m)).

Can my UIM be reduced by what the other driver paid?

Yes, if your policy says so. A policy may reduce UM and UIM limits by amounts paid by or for a legally responsible person, and by workers' compensation and disability benefits (Wis. Stat. 632.32(5)(i)).

What if I was partly at fault?

Your damages are reduced in proportion to your negligence, and you are barred only if your negligence is greater than the negligence of the person you seek recovery from (Wis. Stat. 895.045(1)).

How long do I have to sue?

Three years for injury to the person (Wis. Stat. 893.54). A person under 18 when the claim accrues may sue within 2 years after turning 18 (893.16).

Wisconsin UM/UIM Stacking Calculator

Wisconsin requires uninsured motorist coverage, makes underinsured coverage optional, lets a policy bar adding limits across vehicles and reduce UIM by amounts paid by the at-fault driver, and bars your claim only if your negligence is greater than the other party's. Enter your limits, damages and the other driver's payment to see the results.

Cited to Wis. Stat. 632.32 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your UM/UIM benefits

Enter your policy limits, your damages and what the other driver's coverage paid.

UM/UIM limit per person on the policy covering the vehicle you were in

UM/UIM limit per person on another vehicle or policy under which you are also insured (enter 0 if none)

Do you have underinsured motorist coverage? (uninsured coverage is mandatory; underinsured is optional)

Do the limits add?

Does your policy reduce your limit by amounts paid by or for the at-fault driver?

Your total damages (medical bills, lost income, pain and suffering)

Who caused the accident?

Liability limit per person carried by the at-fault driver (underinsured claims only)

Amount the at-fault driver's liability insurer actually paid you (underinsured claims only)

Your own percentage of negligence, if any (0 if none; more than 50 bars the claim)

Estimated result

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Wisconsin lets a policy bar adding limits and reduce UIM by the other driver's payment, and makes underinsured coverage optional

Wisconsin's rules are in Wis. Stat. 632.32: subsection (4) is uninsured coverage, (4m) underinsured coverage and (5) the permitted policy clauses. Fault is in 895.045 and the deadline in 893.54.

Read how stacked and single-limit coverage differ in Wisconsin, check what section 632.32 says, or see how Wisconsin UM and UIM work.

Injured in Wisconsin?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a Wisconsin attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Wisconsin statutes. Confirm how these rules apply to your specific case with a licensed Wisconsin attorney.

Wisconsin UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Wisconsin lets a policy bar adding limits and reduce UIM by the other driver's payment, and makes underinsured coverage optional

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