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Deptula v. Horace Mann Insurance Co.

Deptula v. Horace Mann Insurance Co., 842 A.2d 1235 (Del. 2004), Berger, J.

This case addressed UIM stacking. The Delaware Supreme Court held that the stacking of coverage provided by multiple automobile insurance policies is permitted once the statutory threshold for UIM coverage has been satisfied by any one policy. The court found that nothing in the UIM statute prohibits stacking, and that stacking enables innocent claimants to be more fully compensated for their injuries.


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