Stacking Insurance Policies

January 29, 2019 Posted in Articles Tagged in Personal Injury

          In the recent Pennsylvania Supreme Court case of Gallagher v. Geico, 35 WAP 2017 (Pa.Jan.23,2019), the Pa Supreme Court held that household exclusions contained in motor vehicle insurance policies are impermissible as a matter of law. The Court reasoned that the requirements of Section 1738 of the Pennsylvania Motor Vehicle Financial Responsibility Law (MVFRL) allowed for the stacking of “each motor vehicle as to which the insured person is an insured.” “In other words, stacked UM/UIM coverage is the default coverage available to every insured and provides stacked coverage on all vehicles and all policies.”

       This means that if an individual carries an Uninsured Motorist Insurance Policy or an Under Insured Motorist Insurance Policy on more than one vehicle in that person’s household and that person is involved in a car accident or a motor vehicle collision they may be entitled to stack their UM/UIM policies. If you would like to know more about this case or have questions regarding a Car Accident or a Motor Vehicle Collision please contact the Lawyers at The Law Offices of Edward J. McKarski for a free consultation.

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