So we have a UM claim coming through & the attorney for the carrier requested all the sign down forms (fortunately we had them from 3 years ago.) I got to talking & here's the scoop.
1.) Insured has 1 car & ends up living with a relative & has a claim. If they're a resident relative they can technically collect on the relative's auto insurance for UM/UIM in addition to their own. This is where the stacking (of essentially two separate policies & limits would apply.)
2.) Insured inherits a car within the grace period of notifying the carrier. Ends up having a claim. Without rejecti
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1.) Insured has 1 car & ends up living with a relative & has a claim. If they're a resident relative they can technically collect on the relative's auto insurance for UM/UIM in addition to their own. This is where the stacking (of essentially two separate policies & limits would apply.)
2.) Insured inherits a car within the grace period of notifying the carrier. Ends up having a claim. Without rejecti
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