Anti-stacking provisions are intended to avoid the application
of multiple sets of deductibles or multiple sets of limits to a
single loss event. They are sometimes included in insurance policies
covering exposures that may occur over long periods, triggering
coverage under multiple policies. They stipulate that, in such an
event, only one policy limit or one deductible (rather than the
limit or deductible under each policy) applies to the occurrence.
Anti-stacking provisions (or stacking provisions) may be addressed
in a state's motor vehicle insurance statutes with respect to uninsured
motorists (UM)/underinsured motorists (UIM) coverage. These provisions
vary widely from one state to another; and where a state's legislators
or court system has addressed the issue, the UM/UIM endorsements
in the state are often modified to reflect the state's stance
on the issue.
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