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.

 

State

Rejection by Named Insured Valid for All Insureds

Statute

Alabama

No

Alabama Stat.

§32-7-23

Alaska

Yes

Alaska Stat. §21.96.020

Arizona

Yes

Ariz. Rev. Stat. Ann. §20-259.01

Arkansas

No

Arkansas Code Ann. § 23-89-403

California

Yes

Cal. Ins. Code §11580.2

Colorado

No

Co. Rev. Stat. Ann. § 10-4-623 

Connecticut

*

Conn. Gen. Stat. §38a-336

Delaware

No

 18 Del.C. § 3902

District of Columbia

*

D.C. Code §31-2406

Florida

Yes

Fla. Stat. §627.727

Georgia

No

 Ga. Code Ann. § 33-7-11

Hawaii

No

 Hawaii Rev. Stat. Ann. § 431:10C-301

Idaho

Yes

 Idaho Code Ann. § 41-2502

Illinois

*

215 Ill. Comp. Stat. 5/143a

Indiana

Yes

Ind. Code §27-7-5-2

Iowa

No

 Iowa Code Annotated § 516A.1

Kansas

*1

 Kansas Statutes Ann. 40-284

Kentucky

No

 Ken. Rev. Stat. Ann. § 304.20-020

Louisiana

No

Louisiana Statutes Ann. 22:1295 

Maine

*2

Me. Rev. Stat. Ann. tit. 24-A, §2902

Maryland

*2

Md. Code Ann. Ins. §19-509

Massachusetts

*

Mass. Gen. Laws §175:113L

Michigan

Not addressed

 

Minnesota

*

Minn. Stat. §65B.49

Mississippi

No

Miss. Code Ann. § 83-11-101 

Missouri

*

Mo. Rev. Stat. §379.203

Montana

Yes

Montana Code Ann. 33-23-201

Nebraska

*

Neb. Rev. St. § 44-6408 

Nevada

No

Nev. Rev. Stat. Ann. 690B.020 

New Hampshire

Yes

N.H. Rev. Stat. Ann. §264:15

New Jersey

*No

N.J. Stat. Ann. §17:28-1.1

New Mexico

No

New Mexico Stat. Ann. § 66-5-301 

New York

*

N.Y. Ins. Law §3420

North Carolina

*

N. C. Gen. Stat. Ann. § 20-279.21

North Dakota

*

N.D. Cent. Code §26.1-40-15.2

Ohio

Yes3

Ohio Rev. Code Ann. §3937.18

Oklahoma

Yes

36 Okl. St. Ann. § 3636 

Oregon

*

Or. Rev. Stat. §742.502

Pennsylvania

Yes

75 Pa. Cons. Stat. §1731

Rhode Island

No4

R.I. Gen. Laws §27-7-2.1

South Carolina

*

S.C. Code Ann. §38-77-150

South Dakota

*

S.D. Codified Laws §58-11-9

Tennessee

Yes

Tenn. Code Ann. §56-7-1201

Texas

Yes

Vernon's Tex. Stat. and Codes Ann. § 1952.101 

Utah

No

Utah Code Annotated 1953 § 31A-22-305 

Vermont

*

Vt. Stat. Ann. tit.23, §941

Virginia

*5

VA Code Ann. § 38.2-2206 

Washington

Yes *6

Rev. Code of Wash. Ann. 48.22.030 

West Virginia

Yes

W. Va. Code §33-6-31d

Wisconsin

*7

Wis. Stat. §632.32

Wyoming

No

Wy. Stat. Ann. 1977 § 31-10-101 

 

* 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.

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