The rule requiring the stacking of uninsured motor vehicle coverage is reasonably firm, barring any statutory changes. Without any statutory requirement, however, underinsured coverage is subject to differing results on stacking and set-offs depending on the language of the policy and the ability to convince the court of its similarity to the policy language in prior decisions or the ability to distinguish it. Like virtually all cases, the outcome to these questions will always depend on the language of the insurance contract.
Read the verdict of: Carol J. Long v. Lucas W. Dray & Shelter Insurance
Underinsured Set-off Status
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