Law Commons^™

This article presents the uncertainty and inefficiency across the jurisdictions in intra-policy UM/UIM stacking in personal line automobile insurance policies and recommends a specific solution. Part II provides a brief description of UM/UIM coverage and stacking in general, and Part III delves into the complex issues surrounding UM/UIM stacking today, breaking down the factors and arguments specific to intra-policy and inter-policy stacking. Part IV discusses five general approaches states have taken towards stacking, including three different case examples specific to intra-policy stacking. Part V includes our recommendations for handling intra-policy stacking, followed by the conclusion in Part VI.