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Class 2 insureds

A term that is sometimes used in the context of uninsured motorists (UM) and underinsured motorists (UIM) coverage to refer to insureds (e.g., a guest occupant of a covered auto) other than the named insured and the named insured's family members (referred to as Class 1 insureds). Class 1 insureds may be afforded broader coverage than Class 2 insureds, especially with regard to stacking of limits.


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