Janikowski v. State Farm Mutual Automobile Insurance

The issue raised by American Family Mutual Insurance Company in this case is whether an out-of-state car rental lease agreement is an insurance policy requiring uninsured motorist coverage. We hold, however, that whether or not an out-of-state lease agreement is an insurance policy is irrele*426vant because, under §§ 344.52 and 632.32, Stats., a self-insuring out-of-state rental car agency is not required to provide uninsured motorist coverage. Therefore, we affirm.

I. BACKGROUND

On October 23, 1987, Tracy Schmidt rented a car from National Car Rental in Illinois. Patrick Janikow-ski, driving the…