PLGeorgiamedium
A Georgia household insures three private passenger autos on three separate policies, each with 50/100 UM. The insured is injured by an uninsured driver while operating one of the vehicles. What UM stacking outcome is permitted under Georgia law?
AOnly the UM on the vehicle being driven applies; stacking is prohibited
BOnly two of the three policies' UM may be stacked
CStacking is permitted only if all three policies are with the same insurer
UM may be stacked across all three policies for $150,000 per person
Why this is the answer
Georgia case law and O.C.G.A. § 33-7-11 permit stacking of UM coverage across multiple personal auto policies covering household vehicles. The injured insured may collect UM benefits from each policy on which they qualify as an insured, up to the combined per-person limits—here, $50,000 x 3 = $150,000. The carrier identity is irrelevant; what matters is qualifying as a class I or class II insured under each policy.
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