Here, where the husband and wife were injured in the same accident and both were named insureds under the same multiple policies, the anti-stacking statute does not limit them to collectively recovering the highest single limit of all applicable policies; nothing in the UIM statute or the policy language suggests that they be lumped together as "the insured" under the statute and each is entitled to the combined single limit in the Selective policy, subject to any other relevant policy considerations.
May 24, 2004 at 12:00 AM
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