Stacking Coverage Under UM and UIM Policies: Identifying All Coverages, Preventing Misapplication of Stacking Rules
Recording of a 90-minute CLE video webinar with Q&A
This CLE webinar will demonstrate the manner and method of stacking uninsured and underinsured motorist (UI/UIM) coverage. The panel will offer an overview of how UI/UIM works, eligibility, intra- and inter-policy stacking, limits on stacking from exclusions and waivers, and more. The program will help counsel identify available and overlooked sources of recovery and discuss strategies for preventing misapplication of stacking rules.
Outline
- Introduction and overview on UI/UIM
- Types of stacking
- Intra-policy stacking
- Inter-policy stacking
- Business and personal policies
- Policy and statutory conditions
- Eligibility
- Exclusions
- Setoffs
- Waivers
- Strategies for policyholders
- Strategies for insurers
Benefits
The panel will review these and other pivotal issues:
- What causes the most confusion when stacking policies?
- Who is allowed to stack insurance policies and what policies can be stacked?
- What setoffs apply to benefits? Can setoffs lower coverage below statutory minimums?
- Is there a "right to be wrong" when stacking UI/UIM policies?
Faculty
Raymond M. Gauvreau
Attorney
Robinson & Cole
Mr. Gauvreau’s practice primarily involves the representation of insurers in complex coverage disputes and... | Read More
Mr. Gauvreau’s practice primarily involves the representation of insurers in complex coverage disputes and litigation across various lines. He also provides coverage advice to clients. Mr. Gauvreau has experience in litigation matters across federal and state courts, from the pre-suit stage up to mediation or trial. Mr. Gauvreau understands that no two cases are alike and does all he can to identify a client’s business objectives in order to secure the best possible outcome. He is a member of the firm’s Insurance + Reinsurance Group.
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Jeffrey K. Stanton
Partner
Haggerty Goldberg Schleifer & Kupersmith
Mr. Stanton provides valuable knowledge and guidance to individuals injured by the negligence and carelessness of... | Read More
Mr. Stanton provides valuable knowledge and guidance to individuals injured by the negligence and carelessness of others. As an experienced personal injury litigator, he is adept at handling all aspects of a personal injury claim. From the initial investigation of the incident through trial, Mr. Stanton’s hands-on approach is aimed at delivering real results for our clients.
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Suzanne Tighe
Of Counsel
Bennett Bricklin & Saltzburg
Ms. Tighe concentrates her practice on insurance coverage and bad faith, focusing on first-party property claims,... | Read More
Ms. Tighe concentrates her practice on insurance coverage and bad faith, focusing on first-party property claims, uninsured/underinsured motorist claims and third-party liability claims, including appellate matters. Although the majority of her nearly 25 years of legal experience involved the defense of insurance related claims, she has previously represented insureds and claimants in insurance disputes. The experience derived from litigating both sides of insurance disputes has provided Ms. Tighe with a unique perspective and skills which she applies to the defense of claims. She lectures frequently on insurance related topics, including presenting at the Pennsylvania Bar Institute’s Motor Vehicle Update and The Annual Civil Litigation Update. Ms. Tighe has authored numerous amicus briefs in Pennsylvania State and Federal Courts on issues involving insurance coverage, bad faith, uninsured/underinsured motorist claims and third-party liability claims. She is licensed to practice in Pennsylvania and admitted to practice before the United States District Courts for the Middle and Eastern Districts of Pennsylvania and the United States Court of Appeals for the Third Circuit.
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