Opinion
No. 2013AP805–FT.
2013-10-15
Cole R. JOHNSON and Heather Hughes, Plaintiffs–Respondents, v. MOUNTAIN WEST FARM BUREAU MUTUAL INSURANCE COMPANY, Defendant–Appellant.
Johnson and Hughes believed subsection (2) of the extraterritorial clause adopted Wisconsin's omnibus statute, Wis. Stat. § 632.32, which mandated that Wisconsin-issued insurance policies contain underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. Wis. Stat. § 632.32(4)(a)1. Johnson and Hughes argued that, with stacking, they were entitled to $200,000 each. Mountain West responded that the extraterritorial clause adopted only Wisconsin's financial responsibility law, Wis. Stat. ch. 344, which did not require underinsured motorist insurance and therefore did not increase the amount of policy coverage.