Mutual Benefit Life Ins. v. Office of the Commissioner of Insurance

Both parties agree that sec. 632.895(3), Stats., is unambiguous. However, the OCI concludes that a legislative requirement of insurance "coverage" really means "full coverage" of all expenses, subject to a cap determined by another agency.

"[C] overage could mean either the sum of the risks insured against or one of the types of risks insured against." Employers Ins. v. Blue Cross & Blue Shield, 124 Wis. 2d 335, 345, 368 N.W.2d 838, 843 (Ct. App. 1985) (citing Webster's Third New International Dictionary (1966)). Wisconsin statutes are to be construed according to common and approved usage.…