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Thursday, 11 March 2010 15:06

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Auto insurance requirements	Requisitos para seguro de automóviles
Liability insurance Beginning January 1, 2010, liability coverage limits will be increased to:	Seguro contra daños a terceros Enero 1 de 2010 aumentaron los límites del seguro contra daños a terceros:
$15,000 for property damage	$15,000 para los daños materiales
$50,000 for the injury or death of one person	$50,000 para lesión o la muerte de una persona
$100,000 for the injury or death of more than one person	$100,000 para lesión o la muerte de más de una persona
Proof of insurance Starting June 1, 2010, drivers and owners of motor vehicles are required to show proof of insurance at traffic stops/accidents if requested by law enforcement. Proof is not necessary for trailers or semi-trailers.	Prueba del seguro Comenzando el 1 de junio de 2010, conductores y dueños de los automóviles tendrán que mostrar una prueba de seguro en las paradas de tráfico o accidentes si se les pide. La prueba no es necesaria para los tráiler o semirremolques.
Operating a motor vehicle without insurance may result in a fine of up to $500.	Operando un automóvil sin seguro puede resultar en una multa de hasta $500.
Drivers and owners who fail to show proof of insurance at the time of the stop/accident may be fined up to $10.	Conductores y dueños que no puedan mostrar una prueba de seguro a la hora de la parada o el accidente pueden ser multados hasta $10.
Offering proof of insurance that is found to be fraudulent may result in a fine of up to $5,000.	Mostrando una prueba de seguro que es fraudulento puede causar una multa hasta $5,000.
There is no requirement that you provide proof of insurance when you obtain your driver license or are registering a vehicle, unless that information is requested by DMV and is a requirement before reinstatement of a driver license after a suspension or revocation.	No es requerido proveer una prueba de seguro cuando usted aplique para una licencia o registre un automóvil, a menos que la información sea solicitada por el Departamento de Transportes y es un requisito para el restablecimiento de una licencia de conducir después de una suspensión o de una revocación.
If you have additional questions about coverage, please contact your insurance agent or the Office of the Commissioner of Insurance.	Si usted tiene preguntas adicionales sobre los requisitos mínimos, por favor comuníquese con su agente de seguro u Oficina de la comisión del seguro.

Wisconsin Department of Transportation: http://www.dot.wisconsin.gov/

Important Lead Hazard Information

Wednesday, 10 March 2010 21:03

Important Lead Hazard Information for Families, Child Care Providers and Schools from the US Environmental Protection Agency

"Federal law requires that individuals receive certain information before renovating six square feet or more of painted surfaces in a room for interior projects more than twenty square feet of painted surfaces for exterior projects in housing, chid care facilities and schools build before 1978.

Homeowners and tenants: renovators must give you this pamphlet before starting work.
Child care facilities, including preschools and kindergarten classrooms, and the families of children under the age of six that attend those facilities: renovators must provide a copy of the pamphlet to child-care facilities and general renovation information to families whose children attend those facilities.

Also, beginning April 2010, federal law will require contractors that disturb lead-based paint in homes, child care facilities and schools, built before 1978 to be certified and follow specific work practices to prevent lead contamination."For more information and a copy of the pamphlet, click on the following links:

Wisconsin's New Insurance Legislation (2009 Nov)

The State of Wisconsin has recently passed legislation that changes the insurance law. Many of you are aware of these changes from what you read in the news and see on TV. Some of the new laws are already in effect and others will go into effect January 1, 2010. The changes include the following amendments:

Liability insurance is now mandatory and the minimum liability limits have been increased to $50,000 per person/$100,000 per accident for bodily injury and $15,000 for property damage.
Medical payments coverage of $10,000 per person is now required. You have the option of rejecting this coverage in writing.
Uninsured motorist bodily injury coverage of $100,000 per person/$300,000 per accident is now required.
Underinsured motorist bodily injury coverage of $100,000 per person/$300,000 per accident is now required.
At the time of a claim, uninsured motorist and underinsured motorist policy limits may be added together (stacked) to provide you more coverage. The stacking is limited to coverage you've paid for up to a maximum of three vehicles.
Uninsured and underinsured motorist injury coverage must be offered as part of your umbrella policy. You have the option of rejecting this coverage in writing.

Each of these changes will likely impact the cost of your insurance in some way. Please be sure to review your renewal policy closely and call our office with any questions. We can help you make any changes to your insurance coverage and provide advice on what is the most cost effective way to restructure these coverages. Please be advised that each insurance company we represent is pricing these new coverages in varying ways based on how they are interpreting the new law.

Auto insurance requirements

Requisitos para seguro de automóviles

Liability insurance

Seguro contra daños a terceros

Proof of insurance

Prueba del seguro