sharminlaw

Stacking Bodily Injury Coverage in a Palm Beach County Car Accident

Normally, this issue will only arise if you have at least 2 vehicles insured.  Stacking of liability coverage is prohibited under Florida law.  The policyholder is limited to the amount available to either vehicle.  Stacking is available when written to different named insureds.  Don't confuse stacking of bodily injury coverage with stacking of UM coverage.  The Florida Supreme Court decided in Florida Farm Bureau Casualty Co. v. Hurtado, 587 So 2d 1314 (Fla. 1991) that Class I insureds (named insured, names insured's spouse, and resident relatives) may stack UM coverage but not Class II insured (permitted users and occupants of insured vehicle.  If you have been in a West Palm Beach car accident, seek the advice of a competent, knowledgeable car accident attorney who will expain your rights, coverage, and entitlements.