Offices in Durand and Mondovi, WI

Durand: 715-672-5964

Mondovi: 715-926-3828

M.H. Smith Insurance - Insurance | Durand, WI

Coverage for all your insurance needs

Auto • Home • Farm • Business • Life

Facebook square blue large 10848400_35x35
Happy family in car

Your vehicle is an important asset in the smooth running of your daily life, and you want to make sure they're properly protected. You may also want to discuss optional coverage such as new car replacement, GAP, rental car and roadside assistance coverage.

We take pride in being active in

the community.

Protect your automobile

Car alarm

Protect your vehicles

While on the road, you need to make sure you've got maximum protection in case anything goes wrong.

Count on M.H. Smith Insurance to get protection against damage, theft, and vandalism.

Comprehensive insurance coverage

Reliable auto insurance

For over 50 years, we have been protecting our customers from the hefty repairs and high medical expenses associated with an auto accident.

From cars to trucks, we provide coverage for all types of vehicles.

What is your  insurance appetite?


Bodily Injury $100,000 each person/$300,000 each accident.


Let’s say you were involved in an accident with one other person and you were cited.

The injured party is expected to have multiple surgeries and be off from work for at least 6 months. Their lawyer is asking for $350,000 in damages for his client’s medical expenses, lost income, inconvenience and legal expenses. With the limits in this example, how much coverage do you have under your policy?


$100,000 each person = that is the most coverage you will have under your policy for one person.


$300,000 each accident = if there were another person claiming damages, you would have up to $100,000 for person A and $100,000 for person B.


The only time the $300,000 would come into play is if there were a third person claiming damages.

"I want to protect my financial future against our litigious society"

"I just want a piece of paper that says I have insurance"

On A Scale of 1-10 Rate your Appetite

            1  __________________________  5  ______________________________ 10

A Very Important Insurance Lesson

  • You cannot declare bankruptcy against a personal liability lawsuit in Wisconsin.

  • Once the limit on your policy is reached, your insurance company is under no obligation  to continue legal representation on your behalf. You would likely need to obtain your own attorney and pay all legal expenses going forward.

  • Your income can be garnished up to 20% to satisfy the claim against you.

For example: $30,000 annual income x 20% = $600 monthly garnishment. Remember if your son or daughter is responsible for an amount above your insurance limits, the court is likely to garnish the parents income if the youthful operator is unable to meet the obligation.


The good news is that we can shop the market for you and work with each aspect of your program to build a comprehensive, affordable risk management program for your family!

Other things to consider:

25/50 limits

100/300 limits

1,500,000/ 1,500,000