338 N.W.2d 317 Mitchell L. HJERSTEDT, and Marjorie M. Hjerstedt, his wife; and Wisconsin Physicians Service Insurance Corporation, a domestic group health insurance corporation, Plaintiffs-Respondents,[†] v. Robert G. SCHULTZ, individually; Robert G. Schultz, d/b/a Blue Streak Automotive, Inc.; Val-Tec, Inc.; and American States Insurance Company, Defendants, Charles R. RYAN, and Dale J. Borell, a/k/a William […]