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09-16-2008, 06:13 PM
| | Junior Member | | Join Date: Sep 2008
Posts: 3
| | | Accident Coverage
What is the name of your state (only U.S. law)?
I live in Illinios. I was in a bad motorcycle accident back in 2005. Can you tell me if you are able to "stack" policies? The guy who hit me had $100,000 of coverage and my policy had $250,000 in coverage. We both had State Fram Insurance. Seems to me $350,000 should be availiable not the $250,000? |
09-16-2008, 06:32 PM
| | Senior Member | | Join Date: Jan 2001
Posts: 12,075
| | | When you called the insurance company, what were you told?
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09-16-2008, 06:35 PM
| | Junior Member | | Join Date: Sep 2008
Posts: 3
| | Quote:
Originally Posted by racer72  When you called the insurance company, what were you told? | I was told this by an attorny. My question is is this the law or not? |
09-16-2008, 06:37 PM
| | Junior Member | | Join Date: Sep 2008
Posts: 3
| | Quote:
Originally Posted by RoadKing20052 I was told this by an attorny. My question is is this the law or not? | I'm been getting conflicting info. |
09-16-2008, 06:53 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,858
| | | It depends on the policy, but most commonly, underinsured motorist coverage does not stack with the at-fault party's coverage. If you have UIM of 250k and the other person has 100k, then you have 150k available to you under your own policy - up to 250k TOTAL. | |
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