Auto InsuranceQuestion 21 of 215
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, stacking is always allowed in California
b.Yes, but only if both policies are with the same insurer
c.No, California generally prohibits the stacking of UM limits across policies or vehicles
d.Only if the at-fault driver consents in writing
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)Practice all 215 questions free — no signup required.
Related questions on this topic
- After a covered auto accident, which of the following is NOT one of the insured's duties under Part E of the Personal Auto Policy?
- Under Part F of the Personal Auto Policy, an insurer wishing to non-renew a private passenger auto policy in California must give the named insured at least how many days advance written notice?
- An insured's covered auto is stolen. The Personal Auto Policy's transportation expenses (loss of use) provision typically:
- California law requires drivers to carry which item in the vehicle as evidence of financial responsibility, ready to present on demand?
- Under Part A of the Personal Auto Policy, who qualifies as an 'insured' for liability purposes?
- Which of the following losses is specifically EXCLUDED under Part A Liability of the Personal Auto Policy?
Last reviewed: · editorial process
PrepPass Editorial Team · Verified against California Property & Casualty Insurance License Exam · How we review