policies, and inter-policy stacking. - mcdas.com

THE BASICS OF UM/UIM COVERAGE. This Article addresses the basics of Underinsured (UIM) and Uninsured (UM). motorist coverage in North Carolina, and is outlined as follows: A. Examine the Details of Offering/Purchasing Coverage, Waiving Coverage and Selecting Limits B. Determine the Nature and Extent of UM and UIM Coverages C. Interpret Exclusions and Limitations on Coverage D. Offsets and Reimbursements E. Subrogation Rights of UM Carrier F. How the Statute of Limitations Applies A. Examine the Details of Offering/Purchasing Coverage, Waiving Coverage and Selecting Limits The selection of UM/UIM coverage typically begins with the insured communicating in some manner with his insurance agent.

policies, and inter-policy stacking. In order for the insured to effectively reject the statutory UM/UIM coverage, he must reject this coverage in a very specific manner.

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