See Allstate Ins. The policy language is dispositive to the extent that it is plain and unambiguous. If the terms of an insurance contract are clear on their face, the policy must not be rewritten by construction. Martin argues that because the policy promises to pay the amount that an insured is legally entitled to collect, he, as the insured, is entitled to recover all of the proceeds and Mary, who was not an insured, is entitled to recover nothing. The first sentence of Prudential's UM coverage states that when an insured is struck by an uninsured motor vehicle, Prudential will pay up to its limit of liability for bodily injury.
Bodily injury includes injury resulting in death.
Simon's heirs, however, are. Therefore, the policy permits payment to both Martin and Mary. We reject Martin's position that payment must be made to the named insured when another insured under the policy is fatally injured. In addition to the policy, we read Wisconsin's wrongful death statute as requiring that the insurance proceeds be given to both Martin and Mary. Because Simon was neither married nor had any children, his lineal heirs are his parents.