Stacked Uninsured Motorist

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! :?:

Total Comments: 14

Posted: Mon Jun 11, 2007 11:53 am Post Subject:

Perhaps I'm missing something... the injured person would get Bodily Injury (BI) coverage from the at-fault party, not UM. I've not seen a policy that does not exclude UM coverage is BI is paid (specified exclusion)

Posted: Mon Jun 11, 2007 12:08 pm Post Subject:


I could not get your question very clearly.

Uninsured motorist coverage protects you from the financial losses when the other party at fault does not carry any insurance coverage. Therefore, you need to file a claim with your insurance company if you have an accident with an uninsured motorist.

I hope this answer will clarify some of your doubts.


Posted: Mon Jun 11, 2007 12:45 pm Post Subject:

UM can either be uninsured or underinsured. I'm guessing in this case the OP means UIMBI (under insured)

Posted: Mon Jun 11, 2007 01:15 pm Post Subject: UM question

I understand what Uninsured Motorist means, however, I was told by another Agent that if you were hit by the uninsured or underinsured motorist, and you have UM and your medical exceeds your UM limit, can you use your stacked UM and collect off of the Uninsured motorist car. Lets say I only have one car and the uninsured motorist has one car. I have $25/50 stacked UM and my medical was $50k, could I collect the additional medical off of the Uninsured vehicle since my medical exceeds the the $25k limit?

Thanks! :D

Posted: Mon Jun 11, 2007 05:34 pm Post Subject:

Well, the answer to that is simply no... but for a reason you might not mean.

You are struck by an uninsurd motorist and want to know, if you exceed your UMBI, if you can collect the other person's UMBI. That would be difficult... as they don't have insurance, let alone UMBI.

Also, please be more specific. Usually UMBI is Uninsured Motorist Bodily Injuy and UIMBI is Under Insured Motorist Bodily Injury (just so we know what we are talking about).

As I stated, the at fault parties insurance would pay Bodily Injury (BI) not UM. If they pay BI, every policy I've seen would exclude all UM claims as BI was paid. So my statement is still correct... you'd only get BI from the at-fault party, not any form of UM.

Stacking is something different and I think you might be getting that confused. Some states allow Stacking... but this is getting UM coverage for more then one of you own vehicles (on your own policy. Not someone elses on top of your own. So if you have 2 vehicles with $25k UM and you elected to Stack coverage, you could potentially get $50k UM from your own policy.

Posted: Sat Nov 08, 2008 10:03 pm Post Subject: UMMI Claim

We had a harley. We carry UMMI with our current insurance co for our 2 cars. Our ins. co however will not cover cycles. Our agent called and found us a carrier.
We did not have UMMI with our cycle claim, only uninsured mototist. The lady that hit us was had not car insurance. We spent 1 month in the hospital. I've been told that our unisured motorist bodily injurly from our car insurance may help us with pain and suffering and lost wages?
what do your think?

Posted: Sat Nov 08, 2008 10:44 pm Post Subject:

I was in an accident with an uninsured and I had several auto policies. All the uninsured portions of those three policies of mine stacked for a pool of potential amounts with which to settle. Of course that was 1996 and I am not sure if I could do the same today. That loophole may have been eliminated.

Many insurance policies and how they apply do not make since, such as, I may have twenty vehicles and I can't possibly drive all twenty at the same time but I am required to carry liability on each of those vehicles. My coverage for multiple vehicles may apply slightly for a minimal decrease in premiums. It would make more since to insure each named driver for liability rather than the vehicle. But then of course that would take away a profit center for insurers.

Posted: Sun Nov 09, 2008 11:47 am Post Subject:

I think I understand it now...first IF, and only IF your state allows stacking (all don't)...and the person that hurt you was UNINSURED you want to know if you can stack ALL your UM coverages EVEN though they are threw different carriers? Is that the question?

Posted: Sun Nov 09, 2008 11:53 am Post Subject:

Stacker, since not all states allow the stacking you may want to list your state here so that someone could let you know if your state allows it.

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