Unstacked Uninsured Motorists must be offered at what type of rates?

Unstacked Uninsured Motorists coverage must be offered at reduced rates. This option reflects the nature of unstacked coverage, which typically applies to situations where the insured has multiple vehicles but does not combine the coverage limits for these vehicles in the event of a claim involving uninsured motorists. Instead of pooling the limits of liability, unstacked coverage allows each vehicle to have its own separate limit.

Offering it at reduced rates makes it more accessible for policyholders who may not wish to pay the premium costs that come with stacked coverage, where limits from multiple vehicles can be combined. This setup encourages policyholders to maintain uninsured motorist coverage without incurring higher premiums, thus increasing the uptake of this essential insurance protection, especially in states where uninsured motorist claims are frequent.