Evidence of any statement made in the course of plea discussions which do not result in a plea of guilty, or which result in a plea of guilty which is later withdrawn, is inadmissible. Evidence that a person was or was not insured against liability is not admissible upon the issue of whether the person acted negligently or otherwise wrongfully. This rule does not require the exclusion of evidence of insurance against liability when offered for another purpose, such as proof of agency, ownership, or control, or bias or prejudice of a witness. Only privileges granted by statute shall be recognized. Competence presumed .
Every witness is presumed to be competent to testify.
Lack of personal knowledge. No witness may testify to a matter unless the witness has personal knowledge of the matter and evidence is first offered to show that the witness has personal knowledge of the matter. The credibility of a witness may be attacked by any party, including the party calling the witness. Evidence of character and conduct of witnesses. Rule 608a .