Personal Auto InsuranceQuestion 15 of 158
Stacking of Uninsured Motorist limits in California is best described as:
a.Generally prohibited so multiple vehicle premiums do not multiply UM limits
b.Automatic for any policy with three or more covered autos
c.Permitted only if the named insured pays a separate premium per vehicle
d.Required by statute whenever the insured owns more than one vehicle
Explanation
Under California's UM framework, 'stacking' (adding UM limits across multiple vehicles or multiple policies) is generally prohibited. The insured cannot multiply UM coverage by simply adding extra vehicles on the same policy or by holding multiple policies. Limits apply per accident at the level shown on the declarations.
Law Reference: Cal. Ins. Code §11580.2Practice all 158 questions free — no signup required.
Related questions on this topic
- Which coverage in the Personal Auto Policy is a first-party, no-fault coverage that pays reasonable medical expenses for the insured and occupants regardless of who caused the accident?
- Who is automatically included as a named insured on a Personal Auto Policy by definition, even if not separately listed on the declarations page?
- An insured's parked vehicle is broken into overnight; a window is smashed and a laptop is stolen from the back seat. Under the Personal Auto Policy, the broken glass is paid under which coverage?
- An insured backs out of her driveway and strikes her neighbor's parked car. Under the Personal Auto Policy, the damage to the INSURED'S OWN vehicle is paid under:
- A 'newly acquired auto' under the Personal Auto Policy:
- Which Part of the Personal Auto Policy contains the general provisions such as territory, transfer of interest, cancellation, and termination?
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