Does Wisconsin Allow UM/UIM Stacking? What Wis. Stat. 632.32 Says

By the FigureMyTax Editorial Team · How we calculate

Wisconsin lets a policy bar stacking. Section 632.32(5)(f) permits a clause that limits may not be added across vehicles, and (5)(i) permits reducing UM and UIM limits by amounts paid by or for the at-fault driver, workers' compensation and disability benefits.

Required coverage

Section 632.32(4) requires uninsured motorist coverage in at least $25,000 per person and $50,000 per accident (not for town mutuals), with medical payments coverage of at least $1,000 that you may reject. An insurer paying under these coverages is subrogated to your rights unless it waives subrogation.

Underinsured coverage is optional

Subsection (4m) requires the insurer to give one named insured written notice of the availability of underinsured coverage. Acceptance or rejection need not be in writing, and no premium is conclusive proof of rejection, which applies to all insureds under the policy and its renewals. If accepted, limits are at least $50,000 and $100,000.

Permissible clauses

Subsection (5) lets a policy include the anti-stacking clause in (f), the highest-single-limit rule for a person not using a vehicle in (g), the reducing clause in (i), and a limited "drive other car" exclusion in (j) for vehicles owned by you or a resident relative that are not described in the policy.

Definitions

An uninsured vehicle includes one whose insurer is declared insolvent, a phantom vehicle with corroboration by someone other than you, a report within 72 hours and a sworn statement within 30 days, and an unidentified hit-and-run vehicle. Since the 2011 amendments the statute no longer defines an underinsured vehicle, so your policy does.

How to use this

Compare the results in the Wisconsin UM/UIM stacking calculator, start with the plain-English stacked versus single-limit explainer, and read how Wisconsin UM and UIM work.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Wisconsin's rules apply to your specific case with a licensed Wisconsin attorney.