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