PLGeorgiahard
A Georgia insured carries two personal auto policies in the same household, each providing 'add-on' UIM of 100/300 per person/accident. The insured suffers $400,000 in bodily injury damages from an at-fault driver whose 50/100 liability policy pays its $50,000 per-person limit. Disregarding any liens, what is the maximum the insured may recover from the two UIM policies combined?
A$150,000 (one UIM limit reduced by tortfeasor's $50K)
B$100,000 (only the UIM on the operated vehicle applies)
$200,000 (both UIM limits stacked in full)
D$50,000 (statutory minimum UM only)
Why this is the answer
Both policies were written on 'add-on' UIM terms, so each pays its $100,000 per-person limit on top of the tortfeasor's $50,000 liability payment with no setoff. Because Georgia permits stacking of UM/UIM across household policies, the insured may collect $100,000 from each UIM policy for a combined $200,000 UIM recovery (plus the $50,000 from the at-fault carrier).
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