Quiz: you are one of three plaintiffs settling for $10,000 each to exhaust a $15k/$30k policy.

You have UIM coverage of $50k/$100k. Let's assume your claim is objectively worth $30k. How much extra do get from the UIM claim? $20k, $15k, or $10k?

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Not sure what you mean by “get.” Are you asking if you settle with the tortfeasor, how much do you demand from the U coverage?

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$20k

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Some states stack and some states don’t. California doesn’t stack, Arizona does. So CA there’s $40K available and in AZ there’s $50K available. Check your states insurance laws.

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I feel like the answer isn’t gonna be 20K

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In NJ you get 20k

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why? also in NJ. UIM isn’t based on per occurrence, it’s based on per person. UIM coverage is the remaining $40k.

Depends on jurisdiction but in CA, 40k.

Ah ok, that makes more sense

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