631.37(4)(c)(c) Driver education motor vehicles. Section 341.267 (6) applies to motor vehicles used for driver education. 631.37(4)(d)(d) Insurance of juveniles. Section 343.15 (4) (a) applies to motor vehicle policies covering juveniles as described therein. 631.37(4)(e)(e) Motor vehicle liability policy. Section 344.34 applies to motor vehicle liability policies certified under s. 344.31. 631.37(4)(f)(f) Health care liability policy. Section 655.25 applies to insurance issued by the mandatory health care liability risk-sharing plan established under s. 619.04. 631.39631.39 Renewals in affiliates. 631.39(1)(1) Scope. This section applies to property and casualty lines of insurance, excluding disability insurance, as defined in s. 645.675 (1) (h). 631.39(2)(2) Renewal requirements. An insurer may renew a policy in an affiliate without having to comply with s. 102.31 (2) (a) or 631.36 (4) or s. INS 21.01 (6), Wis. Adm. Code, if all of the following are satisfied: 631.39(2)(a)(a) All of the stock of, interest in, or control of the affiliate is held by one or more persons in the same insurance holding company system, as defined in s. 622.03 (2), that includes the insurer. 631.39(2)(b)(b) The affiliate holds a valid certificate of authority in this state for the kind of business necessary to write the policy being renewed. 631.39(2)(c)(c) If the policy renewed in the affiliate contains terms and conditions, except for the rates and rating plan, that are less advantageous to the policyholder than the policyholder’s current policy, the insurer complies with the requirements of s. 631.36 (5). 631.39(2)(d)(d) The insurer provides notice to the policyholder at least 60 days before the renewal date that the policy will be renewed in an affiliate. 631.39(2)(e)(e) The notice under par. (d) includes or states all of the following information: 631.39(2)(e)1.1. The name and contact information of the company in which the policy will be renewed and that it is affiliated with the insurer. 631.39(2)(e)3.3. That the premium for the renewal policy will be determined according to the rates and rating plan of the affiliate. 631.39(2)(e)4.4. If the policy currently held by the policyholder is written by a mutual company and will be renewed in an affiliate that is a stock insurance company, that the policy will be renewed in an affiliate that is a stock insurance company and the policyholder will no longer have the rights that are granted to a mutual policyholder. 631.39(2)(e)5.5. The A.M. Best or similar rating of the affiliate, if that rating is lower than the current A.M. Best or similar rating of the insurer. 631.39(2)(e)6.6. If the amount of the premium for the policy after it is renewed in the affiliate will increase 25 percent or more from the amount of the premium prior to being renewed in the affiliate, notice of the increased premium. 631.39(2)(f)(f) If the policy is a worker’s compensation insurance policy under ch. 102, the insurer provides notice to the department of workforce development at least 60 days prior to renewal of the policy in an affiliate notifying the department of the name of the affiliate in which the policy is to be renewed. 631.39(3)(3) Applicability of other law. Sections 611.78 and 618.32 do not apply to renewals under this section. 631.39 HistoryHistory: 2017 a. 241. 631.41631.41 Policies jointly issued. Two or more insurers may together issue a policy in which their liability is either several or joint and several. If it is several, the heading of the policy shall conspicuously so state and the policy shall conspicuously state the proportion or amount of premium to be paid to each insurer and the type and the proportion or amount of liability each insurer agrees to assume. 631.41 HistoryHistory: 1975 c. 375. 631.43631.43 Other insurance provisions. 631.43(1)(1) General. When 2 or more policies promise to indemnify an insured against the same loss, no “other insurance” provisions of the policy may reduce the aggregate protection of the insured below the lesser of the actual insured loss suffered by the insured or the total indemnification promised by the policies if there were no “other insurance” provisions. The policies may by their terms define the extent to which each is primary and each excess, but if the policies contain inconsistent terms on that point, the insurers shall be jointly and severally liable to the insured on any coverage where the terms are inconsistent, each to the full amount of coverage it provided. Settlement among the insurers shall not alter any rights of the insured.