St. Paul Mercury Insurance Co. v. Andrews

PEDERSON, Justice.

Is “stacking” prohibited under the mandatory uninsured motorist statute in North Dakota? The trial court said it is not and we agree.

Is “stacking” of basic no-fault benefits prohibited under the North Dakota Auto Accident Reparations Act? The trial court said it is not. We do not agree.

Are provisions in an insurance policy which clearly prohibit “stacking” of uninsured motorist coverage enforceable in this state? We conclude that even though insurance policies are contracts of adhesion and the benefit of all doubts is given to the insured, the policy here leaves no doubt.

The…