Teschendorf v. State Farm Ins. Companies

¶ 72. (concurring). I write separately to address American Family's policy. In my view, American Family's reducing clause would not pass muster on these facts — irrespective of any statute— because it is at war with the reasonable expectation of its insured.

¶ 73. In interpreting insurance policies, courts apply the same rules of interpretation that apply to contracts generally. Folkman v. Quamme, 2003 WI 116, ¶ 12, 264 Wis. 2d 617, 665 N.W.2d 857. The objective in interpreting insurance policies is to give effect to the intent of the parties. State Farm Mut. Auto. Ins. Co. v. *162Langridge, 2004…