I am a full-time student, working part-time. I currently am insured (with minimum liability in Wisc.) and was involved in a no-fault accident (no claims filed with my insurance company). I have purchased another used vehicle for $3100. I have 2 moving violations on my record so I already pay a high insurance premium. I carry the minimum liability as I am a poor student (with no assets). If I were sued for being under-insured, you can’t get blood from a rock.