Stacking UM Liability Insurance Policies

Stacking of multiple UM liability policies is prohibited by the Louisiana Anti-Stacking provision contained in La.R.S. 22:1295(1)(c), unless the injured party is occupying an automobile not owned by him/her, a resident spouse, or a resident relative.

In that instance, the UM coverage on the automobile in which the injured party is an occupant is primary, and if exhausted due to the extent of the injured occupant's damages, then the injured occupant may recover as excess from one other UM policy available to him/her.

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