284 Wis.2d 571 (2005) 2005 WI App 126 699 N.W.2d 252 VAN RUYVEN v. AMERICAN FAMILY MUT. INS. CO.[] No. 2004AP002831. Court of Appeals of Wisconsin. May 19, 2005. Unpublished opinion. Affirmed. NOTES [] Petition for review filed.