On Nov. 1, Wisconsin’s new car insurance legislation took effect. Among the bill’s provisions was a reduction in the state’s minimum insurance coverage, a redefinition of the state’s under-insured policy, and a list of steps in order to file a claim for a hit-and-run accident.

Wisconsin now only requires drivers to carry $25,000 in liability, $10,000 in property damage, and $25,000 in underinsured motorist protection, which is now optional. The reduction makes Wisconsin car insurance requirements one of the lowest in the country.

Another change resulting from the legislation is the definition of “underinsured motorist.” Before the bill, the state defined the term, but now each insurance company has the freedom to define it however they want.

In addition to the changes above, drivers who are the unfortunate victims of hit-and-runs now have to complete a list steps before the claims are accepted, including a third-party witness’s testimony.

Analysts say that the bill effectively leaves Wisconsin drivers with less coverage and grants insurance companies far more power.