Does Minnesota Allow UM/UIM Stacking? What Section 65B.49 Says

By the FigureMyTax Editorial Team · How we calculate

No. Minnesota statute says the UM and UIM limits for two or more vehicles may not be added together, and it sets which single limit applies by where you were injured.

The antistacking rule

Subdivision 3a(6) of section 65B.49 says that regardless of the number of policies involved, vehicles involved, persons covered, claims made, vehicles or premiums shown on the policy, or premiums paid, in no event shall the limit of liability for UM and UIM coverages for two or more motor vehicles be added together to determine the limit of insurance coverage available to an injured person for any one accident.

Which single limit

Paragraph (5) says that if you were occupying a motor vehicle, the limit is the one specified for that vehicle. If you were occupying a vehicle you are not an insured of, you may be entitled to excess protection from a policy under which you are otherwise insured, limited to covered damages and available only to the extent the limit for any one vehicle on that policy exceeds the limit available from the occupied vehicle. If you were not occupying a motor vehicle or motorcycle, you may select any one limit for any one vehicle afforded by a policy under which you are insured.

Required coverage

Every policy must provide separate uninsured and underinsured motorist coverages, each with at least $25,000 per person and $50,000 per accident, though no insurer must provide limits above the bodily injury liability limit (paragraphs (1) and (3)). The coverages do not apply to bodily injury while occupying a vehicle or motorcycle you own, unless the occupied vehicle is an insured motor vehicle (paragraphs (7) and (8)).

UIM is an add-on

The insurer's maximum liability is the amount of damages sustained but not recovered from the at-fault driver's policy, never more than its underinsured limit (subdivision 4a). If two or more vehicles injured you, UIM is payable whenever any one of them is underinsured.

How to use this

Compare the results in the Minnesota UM/UIM stacking calculator, start with the plain-English stacked versus single-limit explainer, and read how Minnesota UM and UIM work under no-fault.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Minnesota's rules apply to your specific case with a licensed Minnesota attorney.