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Indiana UM and UIM Selection/Rejection Form - ProducerPointers.com

Indiana UM and UIM Selection/Rejection Form - ProducerPointers.com 2025

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The document IL U 070 07 09 outlines the options available for Uninsured Motorists Coverage and Underinsured Motorists Coverage in Indiana. It explains the types of coverage, including Bodily Injury and Property Damage, and provides details on how to select or reject these coverages. The document emphasizes the importance of reviewing one's policy for complete information and includes sections for applicants to indicate their choices regarding coverage.

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What does it mean to reject stacked limits of uninsured motorist coverage?

You have the right to reject stacked limits of Uninsured and/or Underinsured Motorist Coverage. If you reject stacked limits, then each vehicle insured under the policy will have its own limits of Uninsured and/or Underinsured Motorist Coverage. Rejecting stacked limits will reduce your auto insurance premium.

Should I reject uninsured underinsured motorist coverage?

Yes, good idea to remove uninsured repair/property damage coverage. Your collision will already cover you in an accident with an uninsured motorist. The uninsured coverage would mean you pay a smaller or no deductible, but thats a pretty small loss. If you can tolerate that risk, feel free to cancel.

Whats better, stacked or unstacked?

The main advantage of an unstacked policy over a stacked one is that it can reduce your premium. However, due to the lower bodily injury coverage limits, you may have to cover your medical costs out of your own pocket if you are injured in a car accident with an uninsured at-fault driver.

What is the UM UIM selection rejection form?

When you purchase auto insurance, you have the option to either accept or reject this coverage. The insurance selection rejection form allows you to make an informed choice about whether to include or exclude UM/UIM coverage from your policy.

What is the difference between stacked and unstacked uninsured?

Stacked car insurance allows policyholders to combine the UM/UIM coverage limits for multiple vehicles on the same policy, providing potentially higher coverage limits. Instead, unstacked car insurance does not aggregate limits across vehicles on the policy and will potentially have lower premiums.