Coverages Under a Non-stacking Policy

Coverages Under a Non-stacking Policy Insurers may offer multi-vehicle, non-stacking uninsured motorist insurance coverage to an insured in an automobile liability policy that covers four (4) or more vehicles. Insurers must offer uninsured motorist insurance that would cover bodily injury and property damage with limits no less than four times those in the Mississippi Motor Vehicle safety Responsibility Law in accordance with Miss. Code Ann. § 83-11-101 and § 83-11-102. The Mississippi Motor Vehicle Safety Responsibility Law sets out minimum split limits of twenty-five thousand dollars ($25,000) for bodily injury to or death of one person in any one accident, fifty thousand dollars ($50,000) for bodily injury to or death of two or more persons in any one accident, and twenty- five thousand dollars ($25,000) for injury to or destruction of property of others. Thus, the minimum limits an insurer must offer for a non-stacking uninsured motorist insurance policy are one hundred thousand dollars ($100,000) for bodily injury to or death of one person in any one accident, two hundred thousand dollars ($200,000) for bodily injury to or death of two or more persons in any one accident, and one hundred thousand dollars ($100,000) for injury to or destruction of property of others. Should the minimum requirements in the Mississippi Motor Vehicle Safety Responsibility law be increased, the minimum limits for the non-stacking uninsured motorist coverage must be increased accordingly.