An elasticity clause in an insurance policy does not implement the 2009 Truth in Auto Law unless the policy was issued or renewed on or after November 1, 2009, the effective date of the Act, as it is not “in conflict with” the terms of policies issued or renewed before the effective date. Wolf v. Am. Family Mut. Ins. Co., No. 2014AP1522-FT (Wis. Ct. App. Mar. 4, 2015).