{"ok":true,"host":"azcarcrashhelp.com","vertical":"legal-injury","protectedOriginationHost":false,"nonMortgageVertical":true,"operator":"azcarcrashhelp.com","dataset":{"id":"pi-policy-stacking-lien-waterfall-benchmark","title":"2026 Motor Vehicle Policy-Limits Stacking, UM/UIM & Medical Lien Reduction Waterfall Dataset","shortTitle":"UM/UIM Policy Stacking & Lien Reduction Matrix","category":"Insurance Coverage & Lien Audit","updatedAt":"2026-11-08","recordCount":5,"description":"Structured breakdown of bodily injury coverage layers, household UM/UIM stacking rules, UIM Consent-to-Settle preservation, and statutory hospital/health-plan lien reduction benchmarks.","directAnswerTakeaway":"Stacking household Uninsured/Underinsured Motorist (UM/UIM) policies across multiple insured vehicles and auditing commercial/rideshare umbrella policies ($1,000,000 Tier-3 coverage) routinely expands collectable insurance ceilings by 2x–10x above minimum state bodily-injury limits.","citationSource":"Motor Vehicle Accident Triage & Pre-Litigation Settlement Desk (2026)","columns":[{"key":"layer","label":"Coverage / Lien Layer"},{"key":"typicalLimitBand","label":"Typical Limit / Reduction Band"},{"key":"preservationRule","label":"Statutory / Contractual Requirement"},{"key":"netImpact","label":"Net Claimant Impact"}],"rows":[{"layer":"1. At-Fault Bodily Injury (BI) Liability","typicalLimitBand":"$25,000 – $250,000+ per person","preservationRule":"Certified Policy Limits Disclosure Demand","netImpact":"Primary base tender"},{"layer":"2. Client UM/UIM Coverage (Single or Stacked)","typicalLimitBand":"$50,000 – $500,000+ (× Household Vehicles where permitted)","preservationRule":"Written UIM Carrier Consent-to-Settle Prior to BI Release","netImpact":"Prevents UIM subrogation waiver"},{"layer":"3. Commercial / Rideshare (TNC) Excess Umbrella","typicalLimitBand":"$1,000,000 – $5,000,000 occurrence ceiling","preservationRule":"EDR Telemetry & Dispatch Log Preservation Letter","netImpact":"Unlocks full catastrophic damages recovery"},{"layer":"4. Hospital & Provider Lien Reduction (LOP / Statutory)","typicalLimitBand":"25% – 45% typical negotiated reduction off billed charges","preservationRule":"Usual, Customary & Reasonable (UCR) CPT Audit","netImpact":"Directly increases net pocket proceeds"},{"layer":"5. ERISA / Health Insurance Subrogation Offset","typicalLimitBand":"Common-Fund & Made-Whole Doctrine pro-rata reduction","preservationRule":"SPD Plan Document Request under 29 U.S.C. § 1024(b)(4)","netImpact":"Reduces health-plan reimbursement claim"}]}}