632.32 Provisions of motor vehicle insurance policies.

707 words·~3 min read·/wi/chapter-632/632-32

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

(1)Scope. Except as otherwise provided, this section applies to every policy of insurance issued or delivered in this state against the insured’s liability for loss or damage resulting from accident caused by any motor vehicle, whether the loss or damage is to property or to a person.

(2)Definitions. In this section:

(ab)“Commercial automobile liability policy” means a liability insurance policy that is intended principally to provide primary coverage for the insured’s liability arising out of the ownership, maintenance, or use of a motor vehicle in the insured’s business or other commercial activities.

(ac)“Commercial liability policy” means any form of liability insurance policy, including a commercial or business package policy or a policy written on farm and agricultural operations, that is intended principally to provide primary coverage for the insured’s general liability arising out of its business or other commercial activities, and that includes coverage for the insured’s liability arising out of the ownership, maintenance, or use of a motor vehicle as only one component of the policy or as coverage that is only incidental to the principal purpose of the policy. “Commercial liability policy” does not include a worker’s compensation policy or a commercial automobile liability policy.

(ag)“Governmental unit” has the meaning given in s. 50.33

(1r).

(am)“Medical payments coverage” means coverage to indemnify for medical payments or chiropractic payments or both for the protection of all persons using the insured motor vehicle from losses resulting from bodily injury or death.

(at)“Motor vehicle” means a self-propelled land motor vehicle designed for travel on public roads and subject to motor vehicle registration under ch. 341 . A trailer or semitrailer that is designed for use with and connected to a motor vehicle shall be considered a single unit with the motor vehicle. “Motor vehicle” does not include farm tractors, well drillers, road machinery, or snowmobiles.

(b)“Motor vehicle handler” means any of the following:

1. A motor vehicle dealer, as defined in s. 218.0101

(a).

2. A lessor, as defined in s. 344.51

(a), or a rental company, as defined in s. 344.51

(c).

3. A repair shop, service station, storage garage or public parking place.

(be)“Owned motor vehicle” means a motor vehicle that is owned by the insured or that is leased by the insured for a term of 6 months or longer.

(bh)“Phantom motor vehicle” means a motor vehicle to which all of the following apply:

1. The motor vehicle is involved in an accident with a person who has uninsured motorist coverage.

2. In the accident, the motor vehicle makes no physical contact with the insured or with a vehicle the insured is occupying.

3. The identity of neither the operator nor the owner of the motor vehicle can be ascertained.

(cm)“Umbrella or excess liability policy” means an insurance contract providing at least $1,000,000 of liability coverage per person or per occurrence in excess of certain required underlying liability insurance coverage or a specified amount of self-insured retention.

(d)“Underinsured motorist coverage” means coverage for the protection of persons insured under that coverage who are legally entitled to recover damages for bodily injury, death, sickness, or disease from owners or operators of underinsured motor vehicles.

(f)“Uninsured motorist coverage” means coverage for the protection of persons insured under that coverage who are legally entitled to recover damages for bodily injury, death, sickness, or disease from owners or operators of uninsured motor vehicles.

(g)“Uninsured motor vehicle” means a motor vehicle, other than a motor vehicle owned by a governmental unit, that is involved in an accident with a person who has uninsured motorist coverage and with respect to which, at the time of the accident, a bodily injury liability insurance policy is not in effect and the owner or operator has not furnished proof of financial responsibility for the future under subch. III of ch. 344 and is not a self-insurer under any other applicable motor vehicle law. “Uninsured motor vehicle” also includes any of the following motor vehicles, other than a motor vehicle owned by a governmental unit, involved in an accident with a person who has uninsured motorist coverage: