Uninsured Motorists Insurance

Uninsured/Underinsured Motorist (UM) Coverage pays for "accidental" bodily injury (BI), sickness, or disease, including death, when an insured sustains such injury as the result of an automobile accident and the legally obligated party does not have Bodily Injury Coverage, or does not have sufficient limits to satisfy the injury claim. This includes both economic (actual medical bills and other out of pocket expenses) as well as non-economic (pain and suffering) damages.

The limit of UM must be the same as the BI unless the insured signs a form to reduce or delete the coverage.  The coverage must also be issued as ”stacked” unless a form electing non-stacked is signed by the insured.

Stacked Vs Non Stacked UM

The "non-stacked" form of uninsured/motorist (UM) coverage has an exclusion stating that the insured cannot collect while occupying a vehicle owned by the insured, but not insured for UM under the policy.  

In the stacked form, there is no exclusion saying the insured cannot collect UM in a vehicle owned but not insured.  In the stacked form, an insured could own 3 vehicles and insure only one of them for UM and still collect while in any of the vehicles.

PLEASE NOTE: There is no exclusion in either UM form dealing with a vehicle with less than 4 wheels.

While these issues may seem confusing Get Rates On Line has professionally, licensed and trained agents to assist you inunderstanding and selecting the right coverage to meet your auto insurance needs.

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