Change provisions of the Uninsured and Underinsured Motorist Insurance Coverage Act relating to stacking of coverage

This bill amends Nebraska's uninsured/underinsured motorist insurance rules to clarify when coverage limits can be "stacked" (combined) across multiple vehicles. It prohibits stacking coverage for vehicles insured under the same policy or separate policies held by related household members (e.g., family living together), meaning injured people cannot combine limits from multiple vehicles in that household. However, it allows stacking for separate policies held by unrelated people in the same household. The bill also establishes a payment priority order when multiple policies apply, making coverage on the vehicle occupied at the time of the accident primary. These changes affect Nebraska residents with multiple vehicles covered under insurance policies.