PLPennsylvaniamedium

A Pennsylvania household insures three vehicles on one auto policy with $100,000 UIM per vehicle. The named insured did NOT sign any stacking waiver. What UIM limit is available for a single covered injury?

Q: A Pennsylvania household insures three vehicles on one auto policy with $100,000 UIM per vehicle. The named insured did NOT sign any stacking waiver. What UIM limit is available for a single covered injury?

$300,000 — stacked across the three vehicles — Section 1738 makes stacked UM/UIM the default in PA. Unless the named insured signs the statutory waiver, UM/UIM limits stack by the number of vehicles on the policy. Three vehicles at $100K UIM yields $300K available for one injured insured.

A$100,000 — stacking is prohibited

B$100,000 — stacking only applies across separate policies

C$0 — UIM was not separately purchased

$300,000 — stacked across the three vehicles

Why this is the answer

Section 1738 makes stacked UM/UIM the default in PA. Unless the named insured signs the statutory waiver, UM/UIM limits stack by the number of vehicles on the policy. Three vehicles at $100K UIM yields $300K available for one injured insured.

Studying for the Pennsylvania Personal Lines exam?

This question comes from our PL bank. Take a free practice test — no signup.

Free PL practice test Personal Lines exam guide