Haines v. Mid-Century Insurance

There is only one issue on this appeal: Does Wisconsin or Minnesota law govern the effect of the policy of insurance covering plaintiff’s husband’s automobile?

The parties concede that Wisconsin law governs the tort aspects of this case. The issue involved here relates solely to the contract aspects of the insurance policy issued by the respondent Mid-Century Insurance Company.

If the policy is governed by Minnesota law, the family-exclusion clause is effective to foreclose the plaintiff from recovering her damages from her husband’s insurer. If, on the other hand, the law to be looked to in…