Amidzich v. Charter Oak Fire Insurance

The essence of the appellants’ argument is that the phrase, “physical contact,” as used in the insurance policy is ambiguous and that in view of such ambiguity a proper construction would provide coverage in a situation where an insured is forced off the road by another motor vehicle without the occurrence of an actual collision. Plaintiffs urge that such construction is in accordance with the underlying policy of the Wisconsin uninsured motorist statute, sec. 204.30 (5), Stats. 1965, and that where any ambiguity exists, the phrase should be construed in the light most favorable to the…