Stacked vs. Single-Limit UM/UIM Coverage in Nebraska

By the FigureMyTax Editorial Team · How we calculate

Stacking adds the uninsured and underinsured motorist limits of several vehicles or policies together. Nebraska bars it by statute: the most you may recover is the highest limit of any one policy.

What stacking means

A household may have more than one vehicle or policy with UM and UIM. Stacking adds those limits after one injury, so $100,000 and $50,000 become $150,000. Single-limit coverage pays only the one limit that applies.

What Nebraska law says

Neb. Rev. Stat. 44-6410 says that regardless of the number of vehicles involved, persons covered, claims made, vehicles or premiums shown on the policy, or premiums paid, the limits of UM or UIM for two or more motor vehicles insured under the same policy or separate policies shall not be added together, combined or stacked to determine the limit available to an injured person for any one accident, except as provided in section 44-6411.

The multiple-policy rule

Section 44-6411 says that if you are entitled to UM or UIM under more than one policy, the most you may recover is the highest limit of any one of them. If you were injured in a vehicle you do not own, the occupied vehicle's coverage is primary and your other coverage is excess, within that cap.

A worked example

Suppose you are insured under two policies with $100,000 and $50,000 of UIM, an at-fault driver paid $25,000, and your damages are $250,000. UIM pays up to $100,000, the highest single limit, not $150,000. Try your own numbers in the Nebraska UM/UIM stacking calculator.

What to check

Look at the declarations page of each policy and note which vehicle you were in. See what sections 44-6410 and 44-6411 say and how Nebraska UM and UIM work.

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