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Dulaney, Lauer & Thomas

What is insurance policy "stacking"?

 

There may be multiple auto insurance polices which apply to an accident.  For example, if a drunk driver borrows a friend's car and causes a wreck, two or more policies may apply:  (1) the policy on the car, and (2) the driver's personal auto policy.  The coverages of each policy stack, in effect creating more coverage for the injured victim.  However, the stacking of coverage isn't automatic - it may be affected by policy language, whether the driver was using a vehicle with the owner's permission or if he had constant access to the vehicle beforehand.  There are many factors to be considered, and insurance companies often seek to prevent policy stacking for obvious reasons.  They wish to limit their exposure.

This is just one example of possible stacking.  There are many.  Before resolving a case, a personal injury attorney must fully investigate all insurance coverage, including policy stacking, from a variety of sources.  Dulaney, Lauer & Thomas has decades of experience in personal injury and insurance coverage law.  If you have questions, call us for a free consultation.  We can help put your life back together.