Auto & Home Insurance Quotes

[Southernduck]

Not true.
UM/UIM claims are filed by the no fault party.
Using UM/UIM by a NF party will not raise your rates.

You are right. It will raise everyone's rates. Stacking is the biggest pile of BS.

[scatter shot]

You are right. It will raise everyone's rates. Stacking is the biggest pile of BS.

Yup, all losses are counted towards loss ratio. AF accident, no fault accident, um/um, even windshield claims will ultimately affect all of our rates. But a nf or um/uim claim will not affect the individual's rate.

Stacking? Don't even get me started.
Most insurance carriers have policy language excluding stacking coverage
SC state statutes allow it. State law supercedes the language in an insurance policy.
State law should be amended IMO.