AB525,8,422
344.55
(1) (intro.) No motor vehicle may be used as a human service vehicle
23unless a policy of bodily injury and property damage liability insurance, issued by
24an insurer authorized to transact business in this state, is maintained thereon. The
25policy shall provide
property damage liability coverage with a limit of not less than
1$10,000. The policy also shall provide bodily injury liability coverage with limits
, as
2of the policy's effective date, of at least the minimum liability limits or, if greater, of
3not less than $75,000 for each person and, subject to such limit for each person, total
4limits as follows:
AB525,8,87
631.43
(3) Exception. Subsection (1) does not affect the rights of insurers to
8exclude, limit
, or
restrict reduce coverage under s. 632.32 (5) (b)
or, (c) or
(f) to (j).
AB525,9,43
632.32
(4) (title)
Required uninsured motorist, underinsured motorist, and
4medical payments coverages.
AB525,9,77
632.32
(4) (a) (title)
Uninsured motorist.
AB525,9,1510
632.32
(4) (intro.) Every policy of insurance subject to this section that insures
11with respect to any motor vehicle registered or principally garaged in this state
12against loss resulting from liability imposed by law for bodily injury or death suffered
13by any person arising out of the ownership, maintenance, or use of a motor vehicle
14shall contain therein or supplemental thereto
the following provisions
for all of the
15following coverages:
AB525,9,2318
632.32
(4) (a) 1.
Excluding a policy written by a town mutual organized under
19ch. 612, uninsured motorist coverage For the protection of persons injured who are
20legally entitled to recover damages from owners or operators of uninsured motor
21vehicles because of bodily injury, sickness, or disease, including death resulting
22therefrom, in limits of at least
$100,000 $25,000 per person and
$300,000 $50,000 23per accident.
AB525,10,2
1632.32
(4) (a) 2. In this paragraph, "uninsured motor vehicle" also includes any
2of the following:
AB525,10,43
a. An insured motor vehicle if before or after the accident the liability insurer
4of the motor vehicle is declared insolvent by a court of competent jurisdiction.
AB525,10,55
b. An unidentified motor vehicle involved in a hit-and-run accident.
AB525,10,1910
632.32
(4) (b)
Medical payments.
Medical To indemnify for medical payments
11coverage, or chiropractic payments or both in the amount of at least
$10,000 $1,000 12per person
for the protection of all persons using the insured motor vehicle from
13losses resulting from bodily injury or death. The named insured may reject the
14coverage. If the named insured rejects the coverage, it need not be provided in a
15subsequent renewal policy issued by the same insurer unless the insured requests
16it in writing. Under the medical or chiropractic payments coverage, the insurer shall
17be subrogated to the rights of its insured to the extent of its payments. Coverage
18written under this
subdivision paragraph may be excess coverage over any other
19source of reimbursement to which the insured person has a legal right.
AB525,11,224
632.32
(4) (a) 3.
Unless an insurer waives the right to subrogation, insurers 25Insurers making payment under
any of the coverages under this subsection the
1uninsured motorists' coverage shall, to the extent of the payment, be subrogated to
2the rights of their insureds.
AB525,11,145
632.32
(4m) Underinsured motorist coverage. (a) An insurer writing policies
6that insure with respect to a motor vehicle registered or principally garaged in this
7state against loss resulting from liability imposed by law for bodily injury or death
8suffered by a person arising out of the ownership, maintenance, or use of a motor
9vehicle shall provide to one insured under each such insurance policy that goes into
10effect after October 1, 1995, that is written by the insurer and that does not include
11underinsured motorist coverage written notice of the availability of underinsured
12motorist coverage, including a brief description of the coverage. An insurer is
13required to provide the notice required under this subdivision only one time and in
14conjunction with the delivery of the policy.
AB525,11,2015
(b) Acceptance or rejection of underinsured motorist coverage by a person after
16being notified under par. (a) need not be in writing. The absence of a premium
17payment for underinsured motorist coverage is conclusive proof that the person has
18rejected such coverage. The rejection of such coverage by the person notified under
19par. (a) shall apply to all persons insured under the policy, including any renewal of
20the policy.
AB525,11,2421
(c) If a person rejects underinsured motorist coverage after being notified under
22par. (a), the insurer is not required to provide such coverage under a policy that is
23renewed to the person by that insurer unless an insured under the policy
24subsequently requests such underinsured motorist coverage in writing.
AB525,12,3
1(d) If an insured who is notified under par. (a) accepts underinsured motorist
2coverage, the insurer shall include the coverage under the policy just delivered to the
3insured in limits of at least $50,000 per person and $100,000 per accident.
AB525,12,158
632.32
(5) (f)
No A policy may provide that, regardless of the number of policies
9involved, vehicles involved, persons covered, claims made, vehicles or premiums
10shown on the policy, or premiums paid, the limits for any uninsured motorist
11coverage or underinsured motorist coverage under the policy may not be added to the
12limits for similar coverage applying to other motor vehicles to determine the limit of
13insurance coverage available for bodily injury or death suffered by a person in any
14one accident
, except that a policy may limit the number of motor vehicles for which
15the limits for coverage may be added to 3 vehicles.
AB525,12,2418
632.32
(5) (g)
No A policy may provide that the maximum amount of uninsured
19motorist coverage or underinsured motorist coverage available for bodily injury or
20death suffered by a person who was not using a motor vehicle at the time of an
21accident is
any the highest single limit of uninsured motorist coverage or
22underinsured motorist coverage, whichever is applicable, for any motor vehicle with
23respect to which the person is insured
, except that a policy may limit the number of
24motor vehicles for which coverage limits may be added to 3 vehicles.
AB525,13,83
632.32
(5) (h)
No A policy may provide that the maximum amount of medical
4payments coverage available for bodily injury or death suffered by a person who was
5not using a motor vehicle at the time of an accident is
any the highest single limit of
6medical payments coverage for any motor vehicle with respect to which the person
7is insured
, except that a policy may limit the number of motor vehicles for which
8medical payments coverage limits may be added to 3 vehicles.
AB525, s. 35
9Section
35. 632.32 (6) (g) of the statutes, as affected by
2009 Wisconsin Act 28,
10is renumbered 632.32 (5) (i), and 632.32 (5) (i) (intro.), as renumbered, is amended
11to read:
AB525,13,1512
632.32
(5) (i) (intro.)
No A policy may provide that the limits under the policy
13for uninsured motorist coverage or underinsured motorist coverage for bodily injury
14or death resulting from any one accident shall be reduced by any of the following that
15apply:
AB525,13,1817
(1) This act first applies to motor vehicle insurance policies issued or renewed
18on the effective date of this subsection.
AB525,13,2120
(1)
This act takes effect on November 1, 2009, or on the day after publication,
21whichever is later.