PLPennsylvaniamedium
On a PA auto policy with two vehicles and $100,000 UM limits, what must the insurer obtain to charge non-stacked (single-vehicle) UM limits rather than the default stacked limits?
A written, signed rejection of stacking by the named insured
BOral confirmation noted in the file
CApproval from the Pennsylvania Insurance Department
DA court order issued by a judge of the Court of Common Pleas
Why this is the answer
75 Pa.C.S. § 1738 makes UM/UIM stacking the default on multi-vehicle policies. To charge the lower non-stacked premium, the insurer must obtain a written rejection signed by the named insured on a statutorily prescribed form.
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