631.13 Incorporation by reference. No insurance contract may contain any agreement or incorporate any provision not fully set forth in the policy or in an application or other document
May 22, 2026, are designated by NOTES. (Published 5-22-26)
631.13
INSURANCE CONTRACTS GENERALLY
attached to and made a part of the policy at the time of its delivery except that: (1) RATES. Any policy may by reference incorporate rate schedules and classifications of risks and short-rate tables filed with the commissioner; and (2) COMPLEX CONTRACTS. By rule or order or by approval of a form the commissioner may authorize for complex contracts incorporation by reference of provisions for administrative arrangements, premium schedules and payment procedures. History: 1975 c. 375.
631.15 Contract rights under noncomplying policies. (1) ENFORCEMENT OF POLICY TERMS. Except as otherwise specifically provided by statute, a policy is enforceable against the insurer according to its terms, even if it exceeds the authority of the insurer. (3m) ENFORCEMENT OF STATUTE AND RULE REQUIREMENTS. A policy that violates a statute or rule is enforceable against the insurer as if it conformed to the statute or rule. (4) REFORMATION OF CONTRACT. Upon written request of the policyholder or an insured whose rights under the policy are continuing and not transitory, an insurer shall reform and reissue its written policy to comply with the requirements of the law existing at the date of issue or last renewal of the policy. History: 1975 c. 375; 1987 a. 247. When underinsured motorist coverage in the amount of $25,000 was contracted for in violation of the requirement for $50,000 coverage under former s. 632.32 (4m) (d), 1995 stats., the higher level of coverage was read into the policy under sub. (3m), even though it was not reflected in the premium paid. Brunson v. Ward, 2001 WI 89, 245 Wis. 2d 163, 629 N.W.2d 140, 98-3002.