I asked around and found the increase is a Wisconsin only thing right now. There were some sneaky mandates included in Governor Doyle's
2010 budget, which took pity on the trial lawyers. Stating in June, they made it a law that everyone must have car insurance. While not a bad thing, they also made a huge increase in the underinsured and uninsured categories. These were raised to $100,000/300/000. To make it even worse, they included a "STACKING" provision, which means the second and third car, etc. on the policy, costs more than the first. Three cars would take it to $900,000 on the UM/UIM portion. The Governor is not running next term, but since he is a lawyer himself, I suppose he will be chasing ambulances in the future. I have found that there are a few state senate and assembly bills in the works, to repeal most of the changes, but the democratic majority are refusing to enact them. The Governor is a democrat, so his buddies stay pretty close to the groove. Let this be a warning to people who live in other states, what can happen when Govenment runs wild and 'throws their residents under the bus'. For what it is worth, trial lawyers are now running ads on TV smacking their lips, as to the money that can be made from huge settlements. The whole deal is so sad, it is pathetic. While I already had $300,000 on liability, my rates still went up
72%. J.C. Taylor and their current underwriter Foremost, are just passing it along. Problem is, Foremost appears to be applying the same rate structure for UM/UIM as you would for a daily use car. Not typical of an Antique car policy, which is mostly restricted to shows and parades, etc. As a result, the cars will be stored as I can find a better use for the money, than to foster the rampant greed.