Personal Auto PolicyQuestion 425 of 474
Two personal auto policies issued to the same named insured by the same insurer apply to one accident. The maximum payable is:
a.The highest limit under any one policy
b.The lower of the two limits shown on the policies
c.Half the limit of each policy, added together
d.The sum of the limits shown on both of the policies
Explanation
The general provisions state that when two or more auto policies issued by the insurer to the named insured apply to the same accident, the maximum limit is the highest applicable limit under any one policy. That wording blocks stacking, so adding the two limits together overstates what is owed. It does not cut the recovery down to the smaller of the two limits either.
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