by montgov1 » Sun Jun 10, 2007 09:15 pm
If an Insured stacks their UM coverage, can the Insured collect the coverage off the at fault parties vehicle or only under owned autos? I've had several answers and need to clarify. Thanks! :?:
Posted: Tue Jul 27, 2010 12:34 am Post Subject: Manumitted Wp Themes
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Posted: Tue Feb 22, 2011 09:50 pm Post Subject: stacked
If I have one car, and have stacked uninsured motorist, and my sister who is currently living with me does not, can I stack my um with hers
Posted: Tue May 08, 2012 02:16 am Post Subject: Stacking Policies
If I have three policies in the state of South Carolina, can I stack the policies on underinsured because the at fault driver have mininum coverage for bodily injury of $25,000 and I also have the same amount of coverage on all three cars
Posted: Wed May 09, 2012 07:44 pm Post Subject:
Unless excluded by a provision in each policy, you may stack the coverage under UM/UIM to obtain a larger payment. You will not be paid twice for the amount the at fault party pays.
If the at fault party's liability coverage was $25,000 and you have three policies, each with $25,000 UM/UIM, in order to collect all $75,000 under your three policies the total claim or liability must equal or exceed $100,000.
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