Stacking of Limits

The application of more than one policy limit to the same loss or occurrence. In some jurisdictions, courts have required stacking of limits when multiple policies, or multiple policy periods, cover an occurrence. For example, Uninsured motorist bodily injury limits of $100,000/300,000 on two policies owned by the same person may be added together to pay a loss. In this event, the total amount of coverage available for an accident would be $200,000/600,000

See Also: Personal Auto Policy; Personal Injury Protection; Property Damage Liability Insurance; Short Rate Cancellation; Split Limit;

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