Trascher v. Foster

SCHOTT, Chief Judge.

This is an attempt by plaintiff to stack uninsured motorist (UM) coverage provided on an owned automobile with the policy limits of UM coverage she collected on a leased automobile. The trial court dismissed her suit and she has appealed. The issue is whether an endorsement on the policy of insurance which was not a part of the binder is effective with respect to an accident which took place after the binder was issued, but before the policy was issued.

On July 3, 1985, plaintiff entered into a five-year lease of a 1985 BMW. On this date, she applied for insurance with…