Photo of Denise Mariani

Denise Mariani is an expert Civil Trial Attorney as certified by the Supreme Court of New Jersey. Ms. Mariani is also the Chair of the Nursing Home Negligence practice at Stark & Stark.

I’ve previously written blogs about “step-down” provisions often included in automobile insurance policies.   Such a provision is usually included in the “fine print” section of the policy.  It applies to injured claimants who are a named insured under another policy.  The step-down clause steps the available uninsured and underinsured motorist coverage down to the policy limits of the injured person’s own policy.  For example, if John Doe has a personal automobile insurance policy with uninsured/underinsured coverage in the amount of $15,000 but is injured in a car crash while driving a dump truck owned by his employer, he is limited to his own $15,000 policy if the offending driver is uninsured or also has a limited policy.  This is true even if John Doe is catastrophically injured and the dump truck carries $5,000,000 in coverage.  A step-down clause on the dump truck’s coverage will step down the available benefits to John Doe’s $15,000 policy.
Continue Reading Step-Down Clauses in Insurance Coverage Policies Explained