PLOhiomedium
After the 2001 amendments to R.C. 3937.18, how does Ohio law generally treat interpolicy and intrapolicy stacking of UM/UIM limits?
AStacking is required across all household policies
Stacking is generally prohibited; the policy may limit recovery to a single set of limits
CStacking is permitted only when the insured pays a separate stacking premium
DStacking is mandatory across vehicles on the same policy but not across policies, regardless of anti-stacking language
Why this is the answer
The 2001 amendments to R.C. 3937.18 expressly authorize anti-stacking provisions in UM/UIM coverage. Insurers may limit recovery to the highest single set of UM/UIM limits regardless of how many vehicles or policies cover the insured, and the courts have enforced these provisions as written.
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