Wisconsin Statutes
Wis. Stat. § 344.16 (2026)
Requirements as to self-insurers
✓ current as of July 2026
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344.16(1)(1) Any person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the secretary as provided in sub. (2).
344.16(2)(2) The secretary may, upon the application of such a person, issue a certificate of self-insurance when satisfied that such person is possessed and will continue to be possessed of ability to pay judgments obtained against such person.
344.16(3)(3) Upon not less than 5 days’ notice and a hearing pursuant to such notice, the secretary may upon reasonable grounds cancel a certificate of self-insurance. Failure to pay any judgment within 30 days after such judgment has become final constitutes a reasonable ground for cancellation of a certificate of self-insurance.
344.16 AnnotationThe uninsured motorist coverage requirements of s. 632.32 are inapplicable to self-insured entities under s. 344.16. Classified Insurance Co. v. Budget Rent-A-Car Inc. 186 Wis. 2d 476, 521 N.W.2d 478 (Ct. App. 1994).
344.16 AnnotationNo statute requires a self-insured entity under s. 344.16 to provide uninsured motorist coverage as part of the optional insurance it offers to its customers. Prophet v. Enterprise Rent-A-Car Company, Inc. 2000 WI App 171, 238 Wis. 2d 150, 617 N.W.2d 225, 99-0776.
344.16 AnnotationA car-rental company issued a certificate of self-insurance under this section and subject to liability limits under ss. 344.01 (2) (d) and 344.51 was not a self-insurer for purposes of an underinsured motorist clause that excluded coverage for a vehicle owned or operated by a “self-insurer.” Bethke v. Auto-Owners Insurance Company, 2013 WI 16, 345 Wis. 2d 533, 825 N.W.2d 482, 10-3153.
Notes of Decisions
Cited in 10
cases, 1988–2013 · leading case: Bethke v. Auto-Owners Ins., 2013 WI 16 (Wis. 2013).
Bethke v. Auto-Owners Ins., 2013 WI 16 (Wis. 2013). “Here, Avis possessed a certificate of self-insurance under Wis. Stat. § 344.16 . That statute allows "any person in whose name more than 25 motor vehicles are registered" to qualify as a self-insurer by obtaining a certificate of self-insurance.”
Van Erden v. Sobczak, 2004 WI App 40 (Wis. Ct. App. 2004). “, is inapplicable to Budget as a self-insured entity under § 344.16, Stats. We reach this conclusion based on our determination that § 632.”
Classified Ins. Co. v. Budget Rent-A-Car of Wisconsin, Inc., 521 N.W.2d 177 (Wis. Ct. App. 1994). “Budget was self-insured pursuant to § 344.16, Stats. Because of the accident, Rodee filed a claim with Classified.”
Boatright v. Spiewak, 570 N.W.2d 897 (Wis. Ct. App. 1997). “, we may now consider the *519 appellants' claim that § 344.16, STATS., imposes unlimited liability on Enterprise.”
Prophet v. Enter. Rent-a-car Co., Inc., 2000 WI App 171 (Wis. Ct. App. 2000). “It is undisputed that, prior to the accident, Enterprise had obtained a certificate of self-insurance from the Wisconsin Secretary of Transportation, pursuant to Wis. Stat. § 344.16 , which, in relevant part, provides: Requirements as to self-insurers.”
Fritsche v. Ford Motor Credit Co., 491 N.W.2d 119 (Wis. Ct. App. 1992). “" Section 344.16, Stats., which is contained in a chapter entitled "Vehicles — Financial Responsibility," provides that any person in whose name more than twenty-five vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance from the…”
Hillegass v. Landwehr, 499 N.W.2d 652 (Wis. 1993). “We recognize that this section does not specifically apply to the particular situation here because Burlington was not a certified self-insurer as specified in sec. 344.16, Stats., nevertheless, we find the language of the statute helpful as an expression of legislative intent…”
Am. Fam. Mut. Ins. v. City of Milwaukee, 435 N.W.2d 280 (Wis. Ct. App. 1988). “2 Section 344.16(1), Stats., provides for self-insurance for purposes of financial responsibility.”
Popa v. Hertz Corp., 465 N.W.2d 213 (Wis. Ct. App. 1990). “The trial court stated that it would not decide whether self-insurers under sec. 344.16, Stats., were in fact subject to the provisions of sec.”
Van Erden v. Sobczak, 2003 WI App 57 (Wis. Ct. App. 2003). “, is inapplicable to Budget as a self-insured entity under § 344.16, Stats. We reach this conclusion based on our determination that § 632.”
— Wis. Stat. § 344.16(1) — 2 cases
Boatright v. Spiewak, 570 N.W.2d 897 (Wis. Ct. App. 1997). “, we may now consider the *519 appellants' claim that § 344.16, STATS., imposes unlimited liability on Enterprise.”
Am. Fam. Mut. Ins. v. City of Milwaukee, 435 N.W.2d 280 (Wis. Ct. App. 1988). “2 Section 344.16(1), Stats., provides for self-insurance for purposes of financial responsibility.”
— Wis. Stat. § 344.16(2) — 1 case
Bethke v. Auto-Owners Ins., 2013 WI 16 (Wis. 2013). “Here, Avis possessed a certificate of self-insurance under Wis. Stat. § 344.16 . That statute allows "any person in whose name more than 25 motor vehicles are registered" to qualify as a self-insurer by obtaining a certificate of self-insurance.”
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