PLIllinoishard
An Illinois insured has one auto policy covering three vehicles, each with $100,000 UIM. He is injured in one of the vehicles. The policy contains valid anti-stacking language under 215 ILCS 5/143a-2(4). What UIM limit applies?
A$300,000 — stacking is mandatory in Illinois
B$200,000 — the two non-occupied vehicles' limits combine
C$50,000 — the UM minimum applies regardless
$100,000 — the per-vehicle limit applies; anti-stacking language is enforceable
Why this is the answer
Illinois allows insurers to prevent stacking of UM/UIM limits across vehicles insured on the same policy if the policy contains clear anti-stacking language conforming to 215 ILCS 5/143a-2(4). When the language is properly drafted, only the single highest per-vehicle limit applies regardless of how many vehicles are on the policy. With three $100,000 UIM vehicles and proper anti-stacking language, the maximum UIM available is $100,000.
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