Ted C. Van Handel v. Marcel T. Shepard

COURT OF APPEALS
DECISION NOTICE
DATED AND FILED This opinion is subject to further editing. If
published, the official version will appear in
the bound volume of the Official Reports.
October 25, 2022
A party may file with the Supreme Court a
Sheila T. Reiff petition to review an adverse decision by the
Clerk of Court of Appeals Court of Appeals. See WIS. STAT. § 808.10
and RULE 809.62.

Appeal No. 2021AP918 Cir. Ct. No. 2020CV198

STATE OF WISCONSIN IN COURT OF APPEALS
DISTRICT III

TED C. VAN HANDEL,

PLAINTIFF-APPELLANT,

V.

MARCEL T. SHEPARD AND ERIE INSURANCE COMPANY,

DEFENDANTS,

FEDERATED MUTUAL INSURANCE COMPANY,

DEFENDANT-RESPONDENT,

U.S. VENTURE, INC. GROUP BENEFIT PLAN,

SUBROGATED DEFENDANT.

APPEAL from an order of the circuit court for Brown County:
TAMMY JO HOCK, Judge. Affirmed.

Before Stark, P.J., Hruz and Gill, JJ.
No. 2021AP918

Per curiam opinions may not be cited in any court of this state as precedent

or authority, except for the limited purposes specified in WIS. STAT. RULE 809.23(3).

¶1 PER CURIAM. Ted Van Handel appeals a circuit court order
granting Federated Mutual Insurance Company summary judgment and dismissing
all claims against Federated with prejudice. Van Handel argues that the court
erred by ruling that he was not “occupying” an insured vehicle for purposes of an
uninsured motorist policy (“the Policy”) when he was run over by the driver of an
uninsured vehicle. He further argues that the Policy is ambiguous and invalid
under WIS. STAT. § 632.32 (2019-20).1 We reject Van Handel’s arguments and
affirm the order.

BACKGROUND

¶2 In February 2019, Van Handel was seriously injured after being run
over by an uninsured vehicle driven by Marcel Shepard. At the time of the
accident, Van Handel was a service technician for U.S. Petroleum, a division of
U.S. Venture, Inc. Federated issued the Policy to U.S. Venture, which covered
Van Handel’s U.S. Venture Ford Transit work truck (“the Truck”). As a service
technician, Van Handel conducted monthly inspections at gas stations where his
duties included inspecting manways, which house a gas station’s underground gas
pumps, to see if “everything look[ed] dry, clean, and water-free.”

¶3 On the day of the accident, Van Handel traveled to a gas station in
Green Bay to perform a monthly inspection of its manways. This particular gas

1
All references to the Wisconsin Statutes are to the 2019-20 version unless otherwise
noted.

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station had two manways, each with two covers: an outer cover to protect the
inner cover, and an inner cover to keep liquid out of the pumps. Upon arrival,
Van Handel parked his Truck eight feet away from the manways, and parallel to
them so that the Truck could act as a barricade to his work area. Van Handel
explained that the Truck was a “mobile toolbox” because he would go in and out
of it “20 to 100” times a day to get tools that he needed.

¶4 After parking the Truck, Van Handel left the keys in the ignition and
kept the Truck running.2 Van Handel then spent a short period of time on his
work-issued iPad to prepare for the inspection.3 Afterward, he exited the Truck,
obtained orange cones from the Truck, and positioned the cones around his work

2
As Federated points out on appeal, there are two sources of often contradicting
statements by Van Handel. The first source of information is Van Handel’s October 2020
deposition. The second is Van Handel’s January 2021 affidavit. In the circuit court, Federated
contended that the January 2021 affidavit was a “sham affidavit” used to create genuine issues of
material fact. See Yahnke v. Carson, 2000 WI 74, ¶2, 236 Wis. 2d 257, 613 N.W.2d 257
(adopting the federal sham affidavit rule for summary judgment procedure). On appeal,
Federated renews this contention. Conversely, Van Handel counters that “Federated admits that
these allegedly new facts ‘in any event … do not change the outcome under the vehicle-
orientation test.’ The [c]ircuit [c]ourt did not address Federated’s allegation of a ‘sham affidavit,’
and so these arguments need not be accorded any weight or considered by this [c]ourt of
[a]ppeals.”

We need not decide the sham affidavit issue because we conclude that any factual
differences between the deposition and the affidavit, or in the record generally, are not material.
Further, we consider the facts in the light most favorable to Van Handel as the party opposing
summary judgment. See United Concrete & Const., Inc. v. Red-D-Mix Concrete, Inc., 2013 WI
72, ¶12, 349 Wis. 2d 587, 836 N.W.2d 807. Therefore, the facts most favorable to Van Handel
will be relied upon throughout this opinion, regardless of the source.
3
In Van Handel’s brief-in-chief, he contends that he used his iPad while in the Truck
after going into the gas station. In support, Van Handel cites to his January 2021 affidavit.
However, Van Handel’s affidavit states that he was on the iPad after parking but before going
into the gas station. Van Handel correctly notes the order of events in his reply brief. We will
therefore not consider Van Handel’s assertion that he was on his iPad after entering the gas
station. See Nelson v. Schreiner, 161 Wis. 2d 798, 804, 469 N.W.2d 214 (Ct. App. 1991)
(“Assertions of fact that are not part of the record will not be considered.”).

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area. Van Handel then walked into the gas station to get readings off of the tank
monitors, spoke to the manager, and returned to the manways. Roughly one to
two minutes before opening the first manway, Van Handel grabbed a pry bar and
some other tools from the Truck. He then walked back to the manways and
opened the first cover of one of the manways, which took roughly one or two
minutes.

¶5 As Van Handel was crouched over the manway and “looking in the
hole at the inner cover to see if [he] would need additional tools[, he] heard an
engine rev” and was then run over by Shepard’s uninsured vehicle, which was
reversing from a gas pump. Van Handel was facing Shepard’s vehicle when he
was struck.4 At least five minutes elapsed between the time when Van Handel
pulled into the gas station parking lot and when he was hit by Shepard’s vehicle.

¶6 Van Handel subsequently requested coverage under the Policy’s
uninsured motorist provision, which Federated denied. Federated reasoned that
Van Handel did not qualify as an “insured” under the Policy because he was not
“occupying” an “auto” while working on the manways. Van Handel then filed suit
against several parties, including Federated, demanding compensatory damages.
Federated moved for summary judgment, seeking to dismiss Van Handel’s claims
against Federated with prejudice.

4
Van Handel argues in his reply brief that there are genuine issues of material fact
concerning whether his back was to the Truck when he was facing Shepard’s vehicle. We first
note that his citations to the record do not support this assertion, in violation of WIS. STAT. RULE
809.19(1)(e). In fact, Van Handel’s reply brief violates this rule multiple times. We admonish
counsel that future violations of the Rules of Appellate Procedure may result in sanctions. See
WIS. STAT. RULE 809.83(2). Second, we fail to see how whether Van Handel’s back was to the
Truck or not is a material fact, given that Van Handel stipulates that he was facing Shepard’s
vehicle at the time of the accident. See supra n.2.

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¶7 The circuit court granted Federated’s motion for summary judgment,
concluding that at the time of the accident, Van Handel was not “vehicle-oriented”
and therefore was not “occupying” the Truck. See Kreuser v. Heritage Mut. Ins.
Co., 158 Wis. 2d 166, 173, 461 N.W.2d 806 (Ct. App. 1990). Specifically, the
court held that although Van Handel was only eight feet from the Truck when he
was hit, he was opening one of the manways and intended to inspect it. He was
not walking back toward the Truck and showed no intention of doing so at the
moment of the accident. Lastly, the court noted that Van Handel’s use of the
Truck as a “mobile toolbox” was not a valid consideration in determining whether
he was “occupying” it at the time of the accident. Van Handel now appeals.

DISCUSSION

¶8 We independently review a grant of summary judgment using the
same methodology as the circuit court. Kemper Indep. Ins. Co. v. Islami, 2021
WI 53, ¶13, 397 Wis. 2d 394, 959 N.W.2d 912. “Summary judgment is
appropriate when there is no genuine dispute of material fact and the moving party
is entitled to judgment as a matter of law.” Id. (citation omitted). Similarly, the
interpretation of an insurance contract is a question of law that we review de novo.
Fontana Builders, Inc. v. Assurance Co. of Am., 2016 WI 52, ¶37, 369 Wis. 2d
495, 882 N.W.2d 398.

I. Van Handel was not “occupying” the Truck

¶9 “Judicial interpretation of a contract, including an insurance policy,
seeks to determine and give effect to the intent of the contracting parties.”
American Fam. Mut. Ins. Co. v. American Girl, Inc., 2004 WI 2, ¶23, 268
Wis. 2d 16, 673 N.W.2d 65. We construe insurance policies “as they would be
understood by a reasonable person in the position of the insured.” Id.

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¶10 Our interpretation of an insurance contract is outlined in three steps.
Id., ¶24. First, we “determine whether the policy’s insuring agreement makes an
initial grant of coverage. If it is clear that the policy was not intended to cover the
claim asserted, the analysis ends there.” Id. If the policy does grant coverage, we
next examine any exclusions and then any exceptions to the exclusions. Id.

¶11 We agree with Federated that the Policy does not make an initial
grant of coverage under the facts in this case. We therefore need not evaluate the
remaining steps outlined in American Girl.

¶12 As stated earlier, the Truck in this case was insured by U.S. Venture
through Federated. In relevant part, the Policy on the Truck states that Federated
will:

[P]ay all sums the “insured” is legally entitled to recover as
compensatory damages from the owner or driver of an
“uninsured motor vehicle.” The damages must result from
“bodily injury” sustained by the “insured” caused by an
“accident.” The owner’s or driver’s liability for these
damages must result from the ownership, maintenance or
use of the “uninsured motor vehicle.”

The Policy further provides that if a named insured is “[a] partnership, limited
liability company, corporation or any other form of organization,” then “insureds”
include “[a]nyone ‘occupying’ a covered ‘auto.’” (Emphasis added.)
“Occupying” is defined by the Policy to mean “in, upon, getting in, on, out or off.”
Federated acknowledges that Shepard’s vehicle was uninsured and that U.S.
Venture is a named insured under the Policy. Therefore, the dispute before us is
whether Van Handel was “occupying” the Truck at the time of the accident.

¶13 Because our supreme court “has recognized that commonly used
terms like ‘upon,’ ‘in’ and ‘entering into or alighting from’ may be ambiguous,

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No. 2021AP918

and because this language normally varies only slightly from contract to contract,
Wisconsin courts have tended to apply a standardized meaning to the term
‘occupy.’” Mau v. North Dakota Ins. Rsrv. Fund, 2001 WI 134, ¶46, 248
Wis. 2d 1031, 637 N.W.2d 45 (Wilcox, J., dissenting) (citation omitted). A
standardized method to determine whether an injured party was “occupying” a
vehicle for purposes of automobile insurance policy coverage was adopted by our
supreme court and is referred to as the “vehicle orientation test.” See Moherek v.
Tucker, 69 Wis. 2d 41, 48, 230 N.W.2d 148 (1975); Kreuser, 158 Wis. 2d at 173
(“In Moherek, the supreme court established a test to determine whether or not an
injured party was ‘occupying’ the vehicle.”).

¶14 The “vehicle orientation test” asks whether the injured person was
“vehicle-oriented” or “highway-oriented.” See Moherek, 69 Wis. 2d at 47
(citation omitted). If the injured person was “vehicle-oriented,” he or she was
“occupying” the vehicle for purposes of the automobile insurance policy. Id. “[I]t
is not necessary that an individual have physical contact with an automobile” to be
vehicle-oriented. Kreuser, 158 Wis. 2d at 172. The question is instead whether
the individual “ha[d] severed his [or her] connection with [the vehicle]—i.e., when
he [or she was] on his [or her] own without any reference to it.” Moherek, 69
Wis. 2d at 47 (citation omitted). The “vehicle orientation test” has three
considerations: “the nature of the act engaged in at the time of the injury[,] the
intent of the person injured … [and] whether the injured person was within the
reasonable geographical perimeter of the vehicle.” Kreuser, 158 Wis. 2d at 173
(adding a third consideration to the Moherek analysis).

¶15 Van Handel argues that he was “occupying” the Truck at the time of
the accident because: (1) “one minute before the accident” he grabbed tools from
the Truck; (2) his intent “after [the] inspection was to immediately re-enter his

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No. 2021AP918

truck (as evidenced by the running engine) and drive to the next jobsite;” and
(3) he was eight feet from the Truck when he was injured.5 Conversely, Federated
contends Van Handel was not “occupying” the Truck because, at the time of the
accident, he was “crouched over a manway, intending to open the inner cover in
order to inspect it.”

¶16 Both parties cite to Moherek to support their respective positions. In
Moherek, our supreme court considered whether an individual was “occupying” a
vehicle for purposes of an uninsured motorist policy. Moherek, 69 Wis. 2d at 42.
The individual was with a group of people in an insured car that broke down on
the side of a highway. Id. at 42-43. Initially thinking the car was out of gas, the
individual flagged down another car and went to get gas, returning roughly thirty
to forty minutes later. Id. at 43. After determining that gas was not the issue, the
group flagged down another car. Id. It was decided that the new car would push
the group’s car in an attempt to start it. Id. To avoid scratching either car, the
individual held a spare tire between the cars’ bumpers. Id. As the new car pushed
the group’s car, a third, uninsured car crashed into the pushing car, pinning the
individual between the pushing car and the group’s insured car. Id. Forty-five
minutes had passed from the time the individual got out of vehicle to when the
accident occurred. Id. Prior to being pinned, the individual turned and started to
“take a stride away” from the cars. Id. Despite this fact, the court concluded that
the individual had not severed his relationship with the group’s insured car and
was therefore covered under the uninsured motorist policy. Id. at 48. The court

5
Van Handel also argues there are genuine issues of material fact that warrant a reversal
of the summary judgment order. Again, we hold that any factual differences in the record as a
whole are immaterial, and we base our analysis on the facts most favorable to Van Handel. See
supra n.2.

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No. 2021AP918

reasoned that “[e]verything that [the individual] did after getting out of the vehicle
and especially at the time that his injury occurred had to do with trying to start the
vehicle again so that he and his companions could continue on their journey.” Id.

¶17 Similar to Moherek, in Kreuser, we analyzed whether an individual
was “occupying” a vehicle for purposes of coverage under an uninsured motorist
policy. Kreuser, 158 Wis. 2d at 168. The policy in that case defined “occupying”
as “in, on, getting into or out of” a vehicle. Id. at 170. The driver in Kreuser
intended to pick up an individual at the corner of an intersection. Id. at 169. The
driver’s “intention was to pull over to the curb … to allow” the individual to enter
his car. Id. When the individual was ten feet from the car, a motorcycle hit the
driver’s car, causing the car to slam into the individual. Id. As the motorcycle hit
the driver’s car, the individual was “turn[ing] so that she would be in a position to
enter” the car. Id. We held that the individual was vehicle-oriented to the driver’s
insured car and therefore “occupying” the car at the time of the accident because
she was within ten feet of the car, she was beginning to turn to enter the car, and
the intent of the driver and the individual was to have the individual occupy the
car. Id. at 173-74.

¶18 In another case, we analyzed an underinsured motorist policy that
defined “occupying” identically to the Policy in this case—that is, “occupying”
was defined as “in, upon, getting in, on, out or off” a vehicle. See Anderson v.
Pellette, 2006 WI App 151, ¶7, 295 Wis. 2d 243, 720 N.W.2d 124. In Anderson,
the driver and a passenger were travelling on a motorcycle and crashed. Id., ¶2.
The passenger was thrown approximately fifty feet from where the motorcycle
“went down.” Id. After the crash, the driver got up and walked toward the
passenger to check on her. Id., ¶3. Five minutes later, while the two riders were
still on the side of the road, a car driving by them hit the motorcycle and then hit

9
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the driver of the motorcycle. Id., ¶4. We concluded that the motorcycle driver
was not vehicle-oriented to the motorcycle because he had left the motorcycle
behind and his “overriding concern” was with the passenger’s health. Id., ¶13. He
was “neither walking toward the motorcycle nor turning toward the cycle when he
was hit.” Id. Further, he was roughly fifty feet away from the motorcycle when
the accident occurred, and approximately five minutes had passed since he was
last on the motorcycle. Id.

¶19 Based on the above cases, Van Handel was not “in, upon, getting in,
on, out or off” the Truck. Instead, his actions and intentions at the time of the
accident show he had severed his connection with the Truck. As Federated points
out on appeal, the deciding fact in the above cases is that the insured vehicles
played some significant role in the course of the injury. Here, the Truck played no
role in Van Handel’s injury. Seconds before the accident, Van Handel was
crouched over and inspecting the manways—he was not, for example, sitting in
the Truck or getting tools from the Truck.6 Similarly, at the time of impact,
Van Handel was still crouched over the manway, facing Shepard’s vehicle. Like
the driver in Anderson, Van Handel’s actions and intentions at the time of the
accident had nothing to do with the vehicle—Van Handel was not, for example,
“walking toward [the Truck or] turning toward [the Truck] when he was hit.”

6
In Van Handel’s reply brief, he contends that his intent was to protect himself at the
time of the accident. The record citation Van Handel provides does not support this assertion.
After searching the record, we fail to find support for Van Handel’s factual assertion that his
intent at the time of the accident was to protect himself. To the extent Van Handel argues that he
was protecting himself by using the Truck as a “barricade,” he fails to explain how that fact
would impact our “vehicle orientation” analysis when the Truck played no actual role in the
accident. We therefore will not consider this argument further. See M.C.I., Inc. v. Elbin, 146
Wis. 2d 239, 244-45, 430 N.W.2d 366 (Ct. App. 1988) (we need not consider unexplained and
undeveloped arguments).

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See id., ¶13. Like in Anderson where the driver’s “overriding concern” was with
the passenger’s health, see id., Van Handel’s “overriding concern” was on
inspecting the manways.

¶20 Van Handel’s actions of inspecting the manway seconds before the
accident, and crouching over the manway at the time of the accident, differs
significantly from the individual in Kreuser, who was in the process of getting into
the driver’s insured vehicle at the time of the accident. Van Handel also differs
from the individual in Moherek, who was assisting in starting the insured car so
that the group could leave. Unlike the individual there, Van Handel’s actions did
not have “[e]verything … to do with” the Truck “so that he … could continue on
[his] journey.” See Moherek, 69 Wis. 2d at 48. Again, Van Handel’s actions
were entirely focused on inspecting the manways and, at the time of impact,
Van Handel was facing Shepard’s vehicle while crouched over the manway.
Although Van Handel was only eight feet from the Truck at the time of the
accident, that fact is not dispositive. Rather, the operative consideration is
whether, at the time of the accident, Van Handel had severed his connection with
the Truck.

¶21 Van Handel next argues that his intent after the inspection was to get
back into the Truck and drive to the next job site. In other words, Van Handel
asserts that he was “occupying” the Truck because he eventually intended to get
back into it, as evidenced by the fact that he kept the Truck’s engine running. We
rejected a similar argument in Anderson. There, the driver’s estate argued that he
was “occupying” the motorcycle because he intended at some point to get back
onto it. Anderson, 295 Wis. 2d 243, ¶14. We concluded, however, that “it is the
facts immediately surrounding the accident that are relevant here. At the time he
was hit, Anderson was not demonstrating any intent to get back on the motorcycle,

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No. 2021AP918

nor was he making any physical attempt to return to the cycle.” Id. (emphasis
added); cf. Moherek, 69 Wis. 2d at 48 (“Everything that [the individual] did after
getting out of the vehicle and especially at the time that his injury occurred had to
do with trying to start the vehicle again so that he and his companions could
continue on their journey.”). As discussed above, Van Handel’s intent just prior to
the accident had nothing to do with the Truck and everything to do with inspecting
the manways. As Van Handel heard the engine of Shepard’s vehicle revving, he
turned around. Because Van Handel’s intention had nothing to do with the Truck
at the time of the accident, his argument that he eventually intended to get back
into the Truck fails to alter our conclusion.

¶22 Likewise, Van Handel’s reliance on his use of the Truck, including
that it was his “mobile toolbox,” is unpersuasive. Like Van Handel’s previous
argument, this issue was also addressed in Anderson. There, we held that based
on the text of the insurance policy in question, we were “not concerned with
whether [the driver] was using his motorcycle but rather whether he was
occupying it at the time he was struck and killed. The proper test to determine
whether he was occupying the motorcycle is the vehicle-orientation test.”
Anderson, 295 Wis. 2d 243, ¶16.

¶23 Similarly, here, the dispute is not whether Van Handel was “using”
the Truck at the time of the accident. The Policy does not include coverage for the
“use” of a covered vehicle stemming from an accident involving an uninsured
motorist. Instead, the Policy states that Federated will “pay all sums the ‘insured’
is legally entitled to recover … from the owner[] or driver of an ‘uninsured motor
vehicle’…. The owner’s or driver’s liability for these damages must result from
the ownership, maintenance or use of the ‘uninsured motor vehicle.’” As noted,
“use” refers to the “uninsured motor vehicle,” and the Policy requires damages to

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No. 2021AP918

result from ownership, maintenance or use of that vehicle—not the insured
vehicle. Thus, like in Anderson, the Policy in this case does not concern the “use”
of the insured vehicle. See id.

¶24 We are similarly unpersuaded by Van Handel’s reliance on the brief
time between when he grabbed tools from the Truck to when he was run over.
Van Handel argues that, similar to Hunt ex rel. Gende v. Clarendon National
Insurance Service, Inc., 2005 WI App 11, ¶¶24, 30, 278 Wis. 2d 439, 691
N.W.2d 904 (2004), Van Handel “was struck within one or two minutes of being
in contact with [the T]ruck.” In Hunt, a child had exited a school bus,
“immediately” walked behind the bus, and then was hit. Id., ¶¶28, 30. We
concluded that the child was “occupying” the bus for purposes of an uninsured
motorist policy. See id., ¶4. However, Van Handel’s relationship to the Truck is
very different from the child’s relationship to the bus in Hunt. Unlike the child in
Hunt, Van Handel did not exit the Truck or turn around from the Truck
“immediately” before Shepard’s vehicle hit him. See id., ¶30. The accident
occurred one to two minutes after Van Handel got the tools from the Truck. As
discussed, Van Handel’s intention seconds before the accident was to inspect the
manways. At the time of the accident, he was still crouched over one of the
manways and was facing Shepard’s vehicle. Further, the Truck was not involved
in the accident, unlike in Hunt, where the bus blocked the child’s view and played
a part in the accident. See id., ¶28.

¶25 We conclude that a reasonable person in the position of the insured
would not have understood Van Handel’s situation to fall within the definition of
“occupying” the Truck at the time of the accident. As such, the Policy was not
intended to cover Van Handel’s claim, and he is not entitled to uninsured motorist

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coverage under the Policy as a matter of law. The circuit court properly granted
Federated’s summary judgment motion.

II. Remaining arguments forfeited

¶26 Van Handel next asserts that “[b]ecause [the Policy] is blank as to
the ‘named insured,’ but clearly extends initial coverage to Van Handel, the
ambiguous definition requiring ‘occupancy’ is invalid and barred by WIS. STAT.
§ 632.32 and other inapplicable [sic] law.” This argument is difficult to decipher,
hard to follow, and conflates two distinct arguments: (1) that “occupying” as used
in the Policy is ambiguous; and (2) that the Policy violates § 632.32. In any event,
we need not address the merits of Van Handel’s argument because, as we will
explain below, we conclude that Van Handel forfeited any argument related to
ambiguity in the Policy or to § 632.32’s applicability.

¶27 We start with Van Handel’s ambiguity argument. Federated argues
that Van Handel forfeited this argument by not raising it before the circuit court.
Alternatively, Federated contends that “occupying” is unambiguous because the
“vehicle orientation test” instructs the meaning of the term “occupy” and how to
determine occupancy of a vehicle for uninsured coverage purposes. See Mau, 248
Wis. 2d 1031, ¶46 (Wilcox, J., dissenting). In response to Federated’s forfeiture
argument, Van Handel asserts that he did raise an ambiguity argument in
opposition to Federated’s motion for summary judgment.7

7
Van Handel also cites Townsend v. Massey, 2011 WI App 160, ¶25, 338 Wis. 2d 114,
808 N.W.2d 155, to argue that forfeiture does not apply to his ambiguity and WIS. STAT. § 632.32
arguments because forfeiture “focuses on whether particular arguments have been preserved, not
on whether general issues were raised before the circuit court.” He does not elaborate on how
Townsend applies to this case, nor is it apparent to us, and we will therefore not consider that
case further. See M.C.I., 146 Wis. 2d at 244-45.

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¶28 Our review of the record, however, shows that Van Handel’s
summary judgment brief did not raise an ambiguity argument. Instead,
Van Handel applied the “vehicle orientation test.” In fact, the only time
Van Handel referenced any ambiguity was in describing the facts in Moherek.
We therefore agree with Federated that Van Handel forfeited his argument that the
Policy is ambiguous. See Northbrook Wis., LLC v. City of Niagara, 2014 WI
App 22, ¶20, 352 Wis. 2d 657, 843 N.W.2d 851 (“Arguments raised for the first
time on appeal are generally deemed forfeited.”).

¶29 Similarly, Van Handel argues for the first time on appeal that the
“occupancy” requirement in the Policy is invalid under WIS. STAT. § 632.32.
Van Handel’s argument is that the “occupancy” requirement in this case is an
exclusion because he is otherwise a named insured under the Policy. See Mau,
248 Wis. 2d 1031, ¶¶33-34. Therefore, he contends that § 632.32(6)(b)2.a.—
which states that “[n]o policy may exclude from the coverage afforded or benefits
provided” to “[a]ny person who is a named insured”—invalidates the Policy’s
“occupancy” requirement. See Mau, 248 Wis. 2d 1031, ¶34.8

¶30 Like Van Handel’s ambiguity argument, however, we need not
address this argument because Van Handel forfeited it by not making it at the
circuit court level. See Northbrook, 352 Wis. 2d 657, ¶20. Also, like his
ambiguity argument, Van Handel cites to his trial brief filed in opposition to

8
We pause to note that, unlike in Mau v. North Dakota Insurance Reserve Fund, 2001
WI 134, ¶27, 248 Wis. 2d 1031, 637 N.W.2d 45, Van Handel is not a “named insured” under the
Policy. To the contrary, the named insured is U.S. Venture. Under the Policy, Van Handel was
“insured[]” for purposes of uninsured motorist coverage only if he was “occupying” the Truck.
We have already concluded that Van Handel was not “occupying” the truck. Therefore, this case
is factually distinguishable from Mau.

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No. 2021AP918

Federated’s motion for summary judgment to argue that he made the argument
before the circuit court. Yet, nowhere in his summary judgment brief does he cite
to WIS. STAT. § 632.32 or raise any argument that closely resembles the one he
now makes on appeal. See Bishop v. City of Burlington, 2001 WI App 154, ¶8,
246 Wis. 2d 879, 631 N.W.2d 656 (“A litigant must raise an issue with sufficient
prominence such that the [circuit] court understands that it is being called upon to
make a ruling.”).

By the Court.—Order affirmed.

This opinion will not be published. See WIS. STAT.
RULE 809.23(1)(b)5.

16