STATE LAW – NORTH CAROLINA LIBRARY – GUIDE 06
North Carolina Post-2025 UIM Stacking & Multiple Policies
North Carolina’s post-July 1, 2025 UIM framework distinguishes intra-policy from inter-policy aggregation. For qualifying nonfleet private-passenger coverage, a claimant insured under separate or additional policies may combine the highest applicable UIM limit under each policy. Within a single policy, UIM limits applicable to multiple insured vehicles may not be combined.
- Identify every separate policy under which the claimant qualifies as an insured.
- Do not add limits for multiple vehicles within the same policy.
- For qualifying separate nonfleet private-passenger policies, combine the highest applicable UIM limit from each policy as authorized by statute.
- Apply the same policy-by-policy analysis to current UM aggregation rules.
Primary North Carolina Source
N.C.G.S. § 20-279.21 — Current UM/UIM Aggregation Rules
Current-law review: September 17, 2026. The current rules apply to the post-July 1, 2025 policy framework; confirm each policy’s issuance or renewal date.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official North Carolina sources
North Carolina General Assembly · North Carolina Department of Insurance · North Carolina Judicial Branch