sharminlaw

Difference Between Stacked and Non-Stacked Coverage and Your Palm Beach County Car Accident: Part II

Under Florida Statute, insurance companies may offer policies that prohibit stacking and limit coverage to a vehicle occupied by an insured at the time of the Palm Beach County car wreck.  This means that if the insured is occupying a non-owned vehicle, the injured may recover under a policy covering the occupied vehicle and as excess, under a policy affording the highest coverage to the injured as a Class I insured which includes the named insured, the named insured's spouse, and resident relatives).  If the insured is not an occupant of the car at the time of the accident, the insured may select the coveage on any one vehicle inder a policy providing coverage.  Class I insured can stack limits of all vehicles under a policy in which they are Class I insureds and can add to that policy in which they are class II insureds.

Class II insureds are not permitted to stack coverage for vehicles under a policy that insures him/her as a Class II insured.