Legal Notice

Terms of Use

This page sets forth the conditions and terms under which the Wisconsin Reinsurance Corporation (WRC) or any of its subsidiaries and affiliates, including 1st Auto & Casualty Insurance Company, the WRC Agency, Inc., and Wisconsin Adjusting Service, Inc. (referred to collectively in these Terms of Use as The WRC Group) provides access to this website. By using our site, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, do not continue to use or access our site.


Accuracy of Information

The WRC Group does not warrant or guarantee the accuracy or completeness of the information provided on this website. Under no circumstances will The WRC Group be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on the information provided on this site. The information on this website may be changed or updated without notice. The WRC Group may also make improvements and/or changes in the products, services, and/or programs described on this site at any time without notice.

Hypertext Links

You may note that some of the pages on this site provide hypertext links to other sites created by other organizations. We provide you links to other sites as a free service. Because those sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses, malicious codes, or other items of a destructive nature.

Products and Services

Please note that none of the information contained on this website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products and services The WRC Group offers. Not all of the products or services described on this site are available in all states. You may not be eligible for all products and services, and The WRC Group reserves the right to determine such eligibility as permitted by law.

Coverage statements on this website are for general description purposes only. This site does not amend, modify, or supplement any policies or contracts of The WRC Group.  Furthermore, not all coverages are available in every state. Consult the actual policy or contact your Agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services, and programs which may be available to you.

1st Auto & Casualty Policy Documents Accessed Through This Website

Policy documents (and other policy-related information) provided through this website are provided for your convenience.  They are not a declaration of coverage. While we have taken steps to provide you with accurate information, policy documents, ID cards and related information available through this website may not accurately reflect the policy that is currently in effect, and we make no warranties that the information provided is accurate. To determine the terms of coverage (if any) that are currently in effect, you must refer to the original policy documents that were provided to you. You may also contact your agent with any questions you have regarding your current coverage.

Disclaimer of Warranties

The WRC Group specifically disclaims all warranties with respect to this website or your use thereof, express, implied, or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose. You agree that The WRC Group shall not be liable for any damages resulting from the use or misuse of this website or the information on this website or if this website, or any part of it, is unavailable at any time.

Intellectual Property Rights

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof), are owned by The WRC Group, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The WRC Group names and all related names, logos, product and service names, designs, and slogans are trademarks of The WRC Group or its licensors. You must not use such marks without the prior written permission of The WRC Group. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners and may not be used without prior written permission of their respective owners.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the website in breach of these Terms of Use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the website or any content on the website is transferred to you, and all rights not expressly granted are reserved by The WRC Group. Any use of the website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Copyright Policy

You may cite or refer to the information on this site and make copies of the information for your own use. You must have our written permission to distribute copies of the information to others. To request such permission, send a message via email to

Please include your name, address and telephone number, and a description of the intended extent, purpose and distribution of your copying.

Accessing this Website and Account Security

To access the website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the website that all the information you provide on the website is correct, current and complete. This website is intended for use by individuals who are 18 years of age or older, and you must be at least 18 years of age to register as a user on this website.

This website is for personal, non-commercial use only, except that it may be used by agents, client mutuals and their staff, and The WRC Group employees for authorized business purposes. You may use this website for lawful purposes only. This website may not be used in a manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the site.

Some areas of this website are restricted and require a user identification code (User ID) and a password for access. Unauthorized use of or access to such areas is strictly prohibited.

In accessing areas of this website requiring a User ID and password, you agree that:

  • We are authorized to act on instructions received under your User ID and password.
  • The WRC Group is not liable for any unauthorized access to your personal information that is not the direct result of The WRC Group’s gross negligence or intentional misconduct.
  • You will keep your password confidential and you will notify us immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the password-protected areas of this website has occurred or may occur.
  • We may block access to the password-protected areas of this website without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Website Accessibility

We are continually looking for ways to improve the usability of this website for all customers, including individuals with disabilities.

If you have trouble accessing any of the information on this website, please contact us online at or call (800) 939-9473. Please provide the location of the inaccessible information, the desired format, and a mailing address in case we have to mail the information to you.

Third-Party Payment Processing

Payments made through this website are processed by third parties and not by The WRC Group. By electing to make a payment through this website, you authorize these third parties to process your payment. The WRC Group is not liable for and makes no warranties in regard to, the actions or omissions of these third parties.

Privacy Policies

The privacy policies applicable to this website and the collection of any information through this website may be found in the section labeled “WRC Group & WRC Privacy Policy” found later in this document. By using this website, you consent to all actions taken by The WRC Group with respect to your information that is in compliance with these privacy policies.

Governing Law and Jurisdiction

All matters relating to this website and these Terms of Use and any dispute or claim arising therefrom or relating thereto shall be governed by and construed in accordance with the laws of the State of Wisconsin without giving effect to any choice or conflict of law provision or rule (whether of the State of Wisconsin or any other jurisdiction).

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or this website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Wisconsin, in each case located in the City of Madison and County of Dane. You waive any and all objections to the exercise of jurisdiction over you by such courts and to a venue in such courts.

Waiver and Severability

No waiver of by The WRC Group of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of The WRC Group to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

These Terms of Use constitute the sole and entire agreement between you and The WRC Group with respect to this website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the website.

These Terms of Use do not change or alter any other contract, agreement, or policy between you and The WRC Group.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the website thereafter.

Your continued use of the website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page when you access this website so you are aware of any changes, as they are binding on you.