October 31, 2016
The following chart illustrates which state statutes allow one insured's rejection of uninsured motorist coverage to be binding on all insureds on a policy. This chart addresses only the language of the statutes themselves; many court decisions have also interpreted UM/UIM statutes in regard to this issue.
States that do not allow rejection of uninsured motorist coverage are indicated.
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* indicates that rejection of UM coverage is not permitted
1 Kansas allows a named insured to reject UM coverage in excess of limits for bodily injury on behalf of all parties insured in the policy.
2 States requires UM coverage to match or exceed the policy limits for the liability for bodily injury or death amounts if greater than the statutory minimums, but allows written rejection of UM coverage in excess of the statutory minimums.
3 Ohio does not require policies to include UM coverage.
4 Rhode Island Supreme Court ruled that written rejection of UM coverage is required only at the time an insurance policy is initially issued or delivered.
5 Virginia allows any named insured to reject UM coverage in excess of the statutory minimums on behalf of all insureds.
6 Washington combines Uninsured and Underinsured under the single term Underinsured Motorist Insurance.
7 Wisconsin allows one insured to reject Underinsured Motorist coverage of behalf of all insureds.