• Identify every policy and every separately stated UM/UIM limit.
• Determine whether each coverage independently protects the claimant and loss.
• Review anti-stacking, other-insurance and anti-duplication provisions.
• Apply current Arizona statutory law and the most recent appellate authority, including recent Arizona Supreme Court stacking decisions.

Do not assume that multiple vehicles automatically create multiple recoverable limits, or that anti-stacking language automatically resolves the issue without current statutory analysis.

Migration source: https://www.victimsguide.com/az-stacking-multiple-policies. Verify current Arizona primary authority before reliance.