What document does the Commissioner issue to clarify a person's rights under Wisconsin insurance law?

In Wisconsin insurance law, the document that clarifies an individual's rights is known as a declaratory order. This legal document is issued by the Commissioner of Insurance to provide an official interpretation of the law and its application in specific situations. Declaratory orders are used to resolve uncertainties regarding rights, status, and legal relations under the insurance law, offering guidance to policyholders and insurers alike.

The purpose of this order is to foster clarity and to ensure that all parties understand their legal standings, which ultimately aids in preventing disputes or misunderstandings regarding insurance policies. By issuing this order, the Commissioner facilitates a more informed decision-making process for those involved in insurance transactions.

In contrast, a hearing is a procedural method to consider disputes but does not itself offer clarification of rights. A collateral examination typically refers to an investigative process rather than a clarification of rights. Lastly, a 20-day review notice pertains to administrative processes rather than providing a legal interpretation of rights under insurance law. Thus, the declaratory order specifically serves the function of clarifying rights within the context of Wisconsin insurance legislation.