A California household has two private passenger autos insured on two separate policies, each with $100,000 UM limits. After an accident caused by an uninsured driver, can the injured insured combine ('stack') both UM limits to recover up to $200,000?
a.Yes, but only if both policies are with the same insurer
b.Yes, stacking is always allowed in California
c.Only if the at-fault driver consents in writing
d.No, California generally prohibits the stacking of UM limits across policies or vehicles
Explanation
California Insurance Code §11580.2 contains an anti-stacking clause: the maximum UM recovery is the highest limit shown on any one policy or for any one vehicle, not the sum of all the policies or vehicles. This rule prevents an insured from collecting more than the highest single applicable UM limit, regardless of how many policies they own.
Law Reference: Cal. Ins. Code §11580.2(c) (UM stacking prohibition)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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